Covering schools since 1985, Special Market Insurance Consultants’ (SMIC) K-12 Student Accident and Catastrophic Medical programs provide schools with financial protection from lawsuits and parents from unexpected medical bills. SMIC provides a full spectrum of customized insurance solutions for public and private educational institutions throughout the nation, including:

• Independent schools
• Religious schools
• Charter schools
• Home schools
• Consortiums
• State, regional and national associations

Program Details

• Accident Medical - typical coverage is $25K medical maximum per personal injury.
• Catastrophic Medical - typical coverage is $25K deductible and $1-5M per person, per injury.

Enrollment Options

Student Accident coverage can be voluntary or mandatory. If offered on a voluntary basis, the school offers coverage options to parents of all students on a voluntary basis. If mandatory, the school purchases or requires all students to purchase the insurance.

Catastrophic Accident Medical Insurance

Adding catastrophic coverage to basic student accident or athletic coverage not only limits exposure but it provides a second layer of protection against unfortunate catastrophic injuries, such as paralysis or head injuries. We welcome the opportunity to provide you with a K-12 Student Accident and Catastrophic Medical proposal for the upcoming school year.