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Glad you asked. Group accident insurance is a policy businesses, groups and organizations can purchase to help protect their participants and volunteers in the event of an injury. Just like workmen’s comp insurance covers employees when accidents occur, an accident policy from pomi can help cover volunteers and participants. Take a look.
One of Pete's gym members broke their leg after falling off the treadmill. Ouch. He went to the ER and even after using private health insurance, still had several thousands of dollars in out of pocket medical expenses. Lucky for him, and Pete, there was a group accident policy in place to help pick up the remaining expenses.
Many times situations like these can result in lengthy and expensive lawsuits. And some organizations may end up putting an accident claim on their general liability policy which usually leads to a higher premium the following year. Who wants that?
Pete has peace of mind knowing all his gym members and volunteers are covered in the event of injury. His gym members have peace of mind knowing they won't have to pay a dime out of pocket to heal. And happy customers are loyal customers!
Accident coverage is an extra layer of protection - a little up front helps avoid a hefty price tag later. Plus, pomi is a no-fault policy, meaning no one has to admit fault. Simply submit a claim, we'll confirm the info and poof, it's paid. Pete's situation applies to a variety of industries. Pomi provides accident protection for all volunteers and participants.
You get the idea! Everyone gets covered. Everyone has one less thing to worry about. Coverage for all - for one reasonable price.
That's why you need more than just general liability insurance.
Accident and health is a critical coverage that helps injured participants with out of pocket medical expenses while protecting your organization or business from unnecessary financial strain. It's a little dough now to avoid big headaches later.
of small businesses recognize they are exposed to risk in multiple areas
of major injuries is slips, trips and falls
children per year visit the ER for an unintentional injury
is spent on sports related emergency room visits every year
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