Participant Accident Insurance for Athletics and Activities
The value of participant accident insurance
Participant accidents can happen at sports, camps, and special events, ranging from minor injuries to life-changing incidents. Mutual of Omaha is a trusted leader in Participant Accident Insurance, helping organizations protect participants and provide peace of mind. We offer both ready-made and customized coverage options to meet a variety of client needs. Our integrated sales, underwriting, claims, and support teams ensure an efficient experience from start to finish. For unique challenges, our experienced specialists provide creative solutions, including provider network access to help reduce claim costs.
How participant accident insurance works
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Basic participant accident insurance
Starting at $5,000
Basic participant accident insurance provides accident medical expense coverage, with optional accidental death and specific loss benefits for eligible participants in sponsored activities including:
Associations/Organizations
Team/League sports
Intercollegiate sports
Camps & Schools (K-12)
Child care centers
Benefit amounts start at $5,000 with a 1-year benefit period.
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Catastrophic participant accident insurance
Starting at $1,000,000
Catastrophic participant accident insurance includes blanket coverage for all of these groups during sponsored and supervised events/activities:
Youth sports (gymnastics, football, baseball, soccer, teams, leagues)
National governing bodies
State high school associations
Intercollegiate sports
Schools (K-12)
Benefit maximums range from $1,000,000 to $5,000,000,
with 10-year or lifetime benefit periods available.