Special Risk Insurance (Participant Accident)
Why Zurich for Special risk insurance?
Customized coverages. Our group-sponsored coverages can be purchased on a blanket basis annually and for single events. Whether your focus is an annual civic organization meeting at an off-site venue or the season-long needs of your amateur athletic league, we can tailor a suitable policy.
Single simplified policy. For any of our special risk coverages, organizations can select the options that are right for their non-employee participants. Zurich can package them under a single policy, with streamlined benefit administration and support to match.
Claims service. Customer care is essential with accident-related coverages. Zurich’s Claims service earns “Best in Class” scores from our customers.1 Whether your claim is related to a sport accident insurance matter or an unexpected injury during a recreational organization meeting, we are there when it matters most.
The Zurich Advantage for Special Risk Coverage
Zurich provides Accident & Health insurance solutions for organizations, including non-profits and educational institutions, that engage in structured programs, events and group activities. We offer coverage structures aligned with defined program exposures. Our underwriting approach focuses on aligning coverage structures with the specific risk profiles associated with your activities. We are committed to a collaborative approach, providing the support and resources you need to manage defined participant exposures within established coverage parameters. Our approach aligns coverage structures with established safety and risk management frameworks so you can focus on your mission.
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Insurance solutions for Special risk
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FAQs
From youth sports to adult civic groups, organized activities enrich our lives … but they are not without risks. Zurich customizes participant accident and injury coverage for amateur and youth sports teams (not falling under Student Accident Insurance), and non-employee participants in activities or events sponsored by day care centers, youth groups, non-school sports teams, and recreational and civic organizations.
Our Special Risk Insurance provides coverage and other special risk solutions with one goal in mind: protecting both participants and organizations. It complements an organization’s general liability policy, filling in any gaps in that coverage and providing potentially broader limits. With the right protection in place, it’s easier to encourage participation, connection and community — throughout life.
Special Risk Accident & Health coverage is a structured risk transfer mechanism designed to address participant-based exposures associated with organized activities. For organizations managing events, programs and group activities, this coverage is a key component of a robust risk governance framework. It addresses participant-based accident exposures and introduces financial predictability following covered events. This risk transfer structure supports operational continuity within defined coverage parameters. The administrative alignment of this coverage is designed to integrate with your existing operational processes, supporting operational continuity and mission delivery.
1 Based on Zurich Closed Claims Net Promoter Score of 83, January 2017-June 2019. “Best in Class” NPS threshold for insurance industry: 51 (2019). Source: Medallia.
2 National Safety Council. Injury Facts®. “All Injuries.” Accessed 15 January 2021.