Student Accident

Protecting schools and students with specialized coverage

With A+ care, we help schools stay prepared and protected. 


If an accident occurs, you need a partner you can trust, not a company that will give your clients the run-around. Whether it’s a minor scrape or a more serious injury, student and student-athlete accident coverage provides a layer of protection for school-related injuries. Additional catastrophic coverage protects students and schools from rare major accidents that can lead to financial calamity for families. Coverages are relatively inexpensive but can save families potentially tens of thousands of dollars they would otherwise pay out in medical expenses and may protect a school from lawsuits.

Our plans and pricing are competitive and customizable. We know this market and have been working with schools and students for more than 35 years. With custom quotes, fast turnaround, and accurate underwriting, your claims are covered with expert care. We take pride in prioritizing your clients’ needs and providing specialized plans that hit the mark for the needs of your insureds and give a competitive advantage for both large and small institutions.

Eligible types of student accident 

  • Private Child Care Centers 
  • Religious Child Care Centers 
  • Franchise Child Care Centers
  • Before and After School Care
  • Home School Groups
  • K-12 Public Schools
  • K-12 Private Schools
  • K-12 Religious Schools
  • K-12 Charter Schools
  • K-12 School Districts and Consortiums
  • High School Associations
  • State, Regional and National Associations
  • Community Colleges
  • Public Colleges and Universities
  • Private Colleges and Universities
  • College Consortiums
  • Athletic Associations


  • Accident Medical 
  • General Liability
  • Student Accident 
  • Catastrophic Accident
  • Intercollegiate Sports Basic Accident 
  • Deadly Weapon
  • PTA and School Special Events
  • Cyber Liability

    Submission Requirements

    • Student Accident App
    • 3-5 years Premium & Loss History
    • Copies of Current Policies

    Student Accident Program details



    • 50 states

    Minimum premium

    • $200

    Coverage Limits

    •  $25K limits for Accident 
    • $7.5M limit for Catastrophic medical


    • Multiple A-rated admitted carriers