Supplemental Insurance

Accident Insurance

Accident insurance pays fixed cash benefits for specific injuries and treatments resulting from covered accidents, broken bones, emergency room visits, burns, lacerations, and follow-up care. Benefits are paid directly to the employee regardless of what other insurance covers, helping fill the gap between what health insurance pays and what an accident actually costs.

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Coverage Principle

Accident Insurance should be reviewed against real exposure, not assumed from the coverage label.

The real issue is not whether the coverage exists; it is whether the limits, exclusions, eligibility rules, definitions, contracts, people, property, timing, and carrier requirements match how the risk actually shows up. When those details are not reviewed before renewal or enrollment, a policy can look complete on paper while the most important conditions remain unclear until someone tries to use it.

Supplemental Insurance

What You Need to Know About Accident Insurance

Specific Benefit Schedule
Unlike health insurance, accident coverage pays defined amounts for defined events, a broken arm pays X, an ER visit pays Y, physical therapy pays Z per visit. Employees know in advance what they'll receive, making it easy to understand the value of the coverage.
Common Workforce Scenarios
Accidents are more common than critical illness and affect more employees over time. Sports injuries, home accidents, and car crashes all qualify. For physically active workforces or employees with families, accident coverage is among the most frequently used supplemental benefits.
No Coordination with Health Insurance
Accident benefits are paid in addition to what health insurance pays, not reduced by it. An ER visit that health insurance covers 80% of still generates the full accident insurance benefit, helping employees recover the remaining costs.
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Independent · Licensed in ND & MN · All major carriers · Based in Fargo
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