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Youth Accident Insurance: What You Need to Know

By June 28, 2018 Uncategorized

youth accident insuranceIf your organization deals with children, not-for-profit or otherwise, then I’m sure we’d agree, the plan for every single day, is the complete safety, health and wellness of every child.

Youth accident insurance is for the days that don’t go according to plan.

Unfortunately, no matter how safe and careful you and individuals within your organization are accidents are always going to happen.  Creating controlled environments, safety procedures, teaching safety first can mitigate the rate at which accidents occur but it is the pure nature of children that unexpected things happen.

This is why youth accident insurance is so important.

Youth Accident Insurance

So you’ve done everything you could to make sure the children under your supervision are as safe and protected as any reasonable person could expect and yet something bad happened anyway.

Now a child is injured.

What do you do and how do you provide the financial means for the necessary treatment and avoid litigation that could cripple your organization?

The answer is youth accident insurance.

General Liability does have some protection in the event of accident.  But to properly fill in the gaps between commercial general liability and any individual medical coverage the injured child’s parents may have, your organization would be wise to carry Youth Accident Insurance.

Youth accident insurance is designed to relieve the financial and emotional pressure associated with an injury to a child.

What is Covered?

There are many different insurance carriers that cover youth accident insurance, so the listed coverages below are generalities.

As always I must recommend that you spend time with your independent insurance agent or give us a call at (518) 456-6688 (You can also email us here) to find a NY insurance carrier that best suits the needs of your organization.

In general terms a youth accident insurance policy will provide the following:

  • Accidental Death & Dismemberment limit usually between $5,000 and $25,000
  • Accidental Medical Expense Benefit provided for a 52 week period

With most carriers there is no deductible associated with receiving the financial benefit.

The Rub

It’s very important that you are aware of this insurance and the general coverages associated with the policy.

If you have more detailed questions on youth accident contact us directly or call (518) 456-6688.  Remember providing this coverage not only provides benefit to the children but also shows how much you care for a child’s well being, which in turn can help with your organization’s retention.

Thank you,

Ryan Hanley