College & University Insurance: Why an Accident Policy is Essential to Protecting Students

Pomi offers institutions of higher education an accident policy that has benefits for everyone.

What is College & University Group Accident Insurance?

College and University Group Accident insurance is a policy that provides financial coverage for expenses incurred from an injury to a student, athlete, fan, school volunteer or an event participant.

However, it is not intended to cover injuries to school faculty or staff, as they are generally protected under workers compensation or other similar type policies.

How Can Colleges, Students and Parents Benefit from Group Accident Insurance?

Group Accident insurance policies provide an additional layer of financial protection against liability claims incurred from an accident taking place on school property or anywhere else a school could be held responsible for it.

While commercial liability policies are also designed for such occurrences, most contracts have a deductible that the insured must meet before coverage starts. Group Accident insurance can fill in those gaps, to add further protection for an institution. Because the potential of legal action being taken against a school is always possible, a Group Accident policy can help minimize any financial impact.

Parents and students also benefit from having access to Group Accident insurance. Because it provides a financial benefit to students who are injured, it can be a great help to those who may not have major medical coverage.

It is also important to note that this type of insurance protection isn’t just for student athletes. Thousands of college students are injured each year while at school or when participating in non-sports related activities.

Who is Covered under College & University Group Accident Insurance?

Group Accident policies cover a wide range of people, including:

  • Students
  • Athletes
  • Fans
  • Volunteers
  • Participants

What Does an Accident Policy Cover?

A variety of injuries and medical expenses are covered under a Group Accident policy, such as:

  • Concussions
  • Broken Bones
  • Fractures/Dislocations/Sprains
  • Game Time + Practice Injuries
  • Other Injuries
  • Hospital Stays
  • ER Visits
  • Diagnostic Tests & Labs
  • Crutches, Casts or Braces

Where Does Coverage Apply?

Coverage for accidents extends to many locations, including:

  • Campus
  • Activities/Clubs
  • Practices
  • Games
  • Travel to & from Events

Offer your Clients Reasonable Accident Coverage with pomi Today!

If you are an insurance agent or broker with clients in the fields of higher education, Group Accident insurance from Pomi is a great way for them to help reduce their potential liability costs. In addition, this type of coverage allows your clients to provide financial protection to certain members of the population they serve. 

Pomi is dedicated to helping you and your clients by making the insurance process friendly and fun. We’ve simplified the process. Pomi is customizable and we’re available to help you build a tailored policy for your complex clients.

Send us a message, schedule a zoom chat on our contact page, or email us at [email protected], to start your pomi collab today!

These posts are for informational purposes only and should not be considered as specific financial, legal or tax advice. Depending on your individual circumstances, the strategies discussed in this post may not be appropriate for your situation. Always consult your legal or tax professionals for specific information regarding your individual situation. In providing such information, Great American does not warrant that all potential hazards or conditions have been evaluated or can be controlled. The liability of Great American Insurance Company is limited to the terms, limits and conditions of the insurance policies underwritten.  © 2024 Great American Insurance Company. All Rights Reserved. Great American Insurance Group’s member companies are subsidiaries of American Financial Group, Inc. (AFG). AFG is a holding company whose common stock is listed on the New York Stock Exchange. Policies are underwritten by Great American Insurance Company, an authorized insurer in all 50 states and the DC. Please see Great American Insurance Company’s Legal Disclosures/Terms and Conditions here.

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