Group Benefits & Retirement Solutions

Participant Accident Medical Insurance

Underwritten by Mutual of Omaha Insurance Company

Participant Accident Medical Insurance For:

  • Child care centers
  • Schools (K-12)
  • Colleges
  • National governing bodies
  • Camps
  • Youth sports teams
  • Recreational clubs
  • Events

Mutual of Omaha Insurance Company (Mutual of Omaha) is a leader in Participant Accident Medical Insurance policies, providing coverage to niche markets and dedicated support to brokers, producers and third-party administrators who serve them. The organizations carrying our Participant Accident products report an exceptional service experience from Mutual of Omaha. Our commitment to this market shows through:

  • Excellent insurance products and easy plan administration
  • Experienced underwriting staff
  • Thorough case management
  • Efficient claims administration
  • Responsive, comprehensive service
  • Access to more than 150 provider networks to maximize discounts

Mutual of Omaha has provided insurance protection to individuals, families and businesses since our founding in 1909. Presently we are in the best financial position of our history, with strong management, a competitive portfolio and consistently high marks from the leading rating agencies.

To find out more about Mutual of Omaha's Participant Accident Insurance plans, contact us at 800-228-1011 or sr.sales@mutualofomaha.com.

Jill Frohardt is Mutual of Omaha’s National Sales Director for Participant Accident products. Jill’s primary focus is to support the brokers, producers and third-party administrators who service the unique insurance needs of colleges, high schools, national governing bodies and recreational clubs across the country.

With over a decade of experience in the insurance industry, Jill has a solid track record of helping clients meet their specific needs. Before joining Special Risk, Jill served as Mutual of Omaha’s National Sales Director for Individual Disability Insurance.

As a former NCAA Division I softball player, Jill has a unique perspective of college athletics and how organizations can benefit from the protection offered by Mutual of Omaha. Jill is a graduate of the University of Nebraska, where she earned a degree in Marketing.

To find out more about Mutual of Omaha’s Participant Accident insurance products, please contact us at 800-228-1011 or sr.sales@mutualofomaha.com.





We all know that accidents happen. And, the chances of an injury caused by an accident increases during a sponsored group activity or sporting event. That’s why Mutual of Omaha Insurance Company (Mutual of Omaha) offers Participant Accident plans for this unique coverage need. Participants and members of groups offering our Participant Accident coverage will be protected in the event of a covered injury, so they can concentrate more on their recovery and less on the cost of treatment.

Basic Participant Accident Medical Insurance

Includes blanket accident medical expense coverage for participants or members involved in a sponsored activity, game or practice. Covered participants of all ages may be members of the following types of groups:

  • Schools (K-12)
  • Associations/Organizations
  • Intercollegiate sports
  • Camps
  • Team/League sports
  • Child care centers

Catastrophic Participant Accident Medical Insurance

Includes blanket high-limit accident medical expense coverage for athletes participating in a sponsored activity, game or practice. Covered lives may include:

  • K-12 students
  • Interscholastic athletes
  • Intercollegiate, club or intramural athletes

Review our marketing materials for more information about these Participant Accident Medical Insurance plans.

To find out more about Mutual of Omaha’s Participant Accident Insurance plans, contact us at 800-228-1011 or sr.sales@mutualofomaha.com.


Helping your clients to understand the details of Participant Accident products is important. Use these marketing materials to support your sales, promotional and enrollment activities.

Mutual of Omaha Insurance Co. for Participant Accident

Basic Participant Accident

Catastrophic Participant Accident

Need to Request Customized Materials?

Contact us at sr.sales@mutualofomaha.com to have the Special Risk marketing team review your request.


For more than 50 years, Mutual of Omaha’s Special Risk Division has been there when our clients need us most. We’re proud to help clients and families through some of life’s most difficult challenges. This is important work, and we never lose sight of that.

Special Risk Leadership Team

Scott Hanson
Vice President Special Risk
402-351-6623
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Scott Sather
Product Performance Director
402-351-3746
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Bill Whitney
Supv Chief Underwriter
402-351-4569
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Carol Tarkowski
Manager Group Services
402-351-3133
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Kris Richt
Supv Group Services (Claims)
402-351-6798
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Vickie Smith
Supv Group Services (Claims Admin., Customer Service, Policy Issue & Premium)
402-351-6943
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Linda Steube
Manager of Business Systems
402-351-8725
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Leslie Washburn
Business Systems Consultant
402-351-8892
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Mickey Qualset
Product Development Manager
402-351-8511
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Brian Kalasek
National Sales Director
402-351-4960
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