PARTICIPANT ACCIDENT  PLANS

K-12 STUDENT
ACCIDENT

With K-12 Student Accident coverage, we can build a blanket student accident insurance plan for your institution’s unique curriculum to help protect all students and their families from unexpected medical costs due to an unforeseen accident.   

With Basic and Catastrophic plans, clients can choose to automatically cover students during all scheduled and sponsored activities, including sports and field trips, or limit coverage to specific events and activities.

Best of Both Worlds

Combining 25+ years of experience with our A++ (Superior) rating from A.M. Best, Wellfleet, a Berkshire Hathaway company, is the perfect partner.

Superior Service

Expert client, claims, and customer service teams engage clients and partners in their special risk coverages.

Customized Plans

From daycare to day camps, school activities, and beyond, Wellfleet Special Risk protects against risk throughout every stage of life.

Driven For Success

With designated & expert claims processors, claim repricing, and online claim forms, we take pride in our top-notch claims experience.

Basic Accident Coverage

Basic accident coverage limits available from $5,000 to $100,000 with Primary or Full Excess options to choose. The Full Excess option pays benefits for eligible expenses that are in excess of benefits paid to the insured by any other healthcare plan.  If no other health care plan exists, benefits will be payable like primary coverage.

Emergency Sickness Plan

Emergency Sickness benefits can also be added to your plan design for overnight activities, including camps, field trips, athletic events, and more.  The sickness coverage would be only for eligible expenses resulting directly from a participant’s emergency illness.


Catastrophic Accident Plan

Catastrophic Accident Plans are usually included for athletic activities during supervised practice, training and plan.  Eligible medical expense that exceed a deductible of $25,000 to $50,000 and insure up to $1,000,000 to $10,000,000.  Benefit periods up to 10 years.  Benefits include Accidental Death & Dismemberment and Catastrophe Cash in lump sum payments to the family when a covered accident results in Paralysis, Coma or Brain Death.

*Policy Terms, Conditions and Exclusions varies from state to state so it is important to review the quotation and policy in each state.

Get in Touch

Interested in learning more about our special risk coverage for K-12 programs? Contact us using the button below and a member of our team will reach out to you.

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Wellfleet is the marketing name used to refer to the insurance and administrative operations of Wellfleet Insurance Company, Wellfleet New York Insurance Company, and Wellfleet Group, LLC. All insurance products are administered or managed by Wellfleet Group, LLC. Product availability is based upon business and/or regulatory approval and may differ among companies. ©2023 Wellfleet Group, LLC. All Rights Reserved.