Trusty Health Insurance Agency
Accident Insurance
Plan Options
Coverage plans designed for your needs
Core Accident
Plan
Provides essential benefits for emergency treatment, hospital stays, ambulance services, fractures, and follow-up care after a covered accident.
Enhanced Accident
Plan
Includes broader benefit amounts and additional support for diagnostic testing, rehabilitation, therapy, and accidental injury recovery needs.
Family Accident
Plan
Extends accident coverage options for spouses and dependents, giving families added financial support when injuries happen unexpectedly.
Financial protection during Accident treatment
Accidents can happen anywhere—at work, at home, or on the road. Accident insurance helps employees manage expenses that may not be fully covered by major medical plans.
Fully Insured Plans
What's included
Common coverage may include:
Emergency room and urgent care benefits
Coverage may include ambulance transportation.
Ambulance and hospital admission benefits
Benefits can help with x-rays.
Fracture, dislocation, and burn benefits
Employees may receive lump-sum benefits for fractures.
Follow-up treatment and therapy support
Helps cover travel costs when treatment requires.
Emergency and Initial Care Benefits
Coverage may include ambulance transportation, emergency room treatment, physician evaluations, and urgent care services after a covered accident.
Medical Treatment and Recovery Support
Benefits can help with x-rays, diagnostic exams, outpatient surgery, follow-up visits, physical therapy, and rehabilitation care.
Hospital and Injury-Specific Benefits
Employees may receive lump-sum benefits for fractures, dislocations, burns, lacerations, hospital confinement, and accidental injuries requiring treatment.
Self-Funded Strategies
By offering accident insurance, employers can help workers feel more financially secure after unexpected injuries. This added protection can reduce stress and make it easier to focus on recovery instead of surprise medical bills.
No copays
No fee for doctor visits or services.
No deductibles
Coverage starts immediately.
No out-of-pocket costs for covered care
Covered care is fully paid by the plan.
Medical expenses are covered through monthly contributions and protected by stop-loss insurance, ensuring the employer is shielded from catastrophic claims.
Why It Matters
Accident Insurance — Protection When It Matters Most
Covers Unexpected
Medical Costs
Helps pay for emergency care, treatment, and injury-related expenses that may arise suddenly after an accident.
Supports Employee
Financial Stability
Provides cash benefits employees can use where they need them most, from medical bills to everyday living expenses.
Strengthens Your
Benefits Package
Adds meaningful supplemental protection that employees value, especially those with active lifestyles or family responsibilities.
Useful Across
Many Situations
Coverage can help after a wide range of accidents, from sports injuries and falls to vehicle-related incidents and household mishaps.
Easy to Understand
and Use
Simple plan structures and clearly defined benefits help employees understand how accident insurance supports them.
Client Trust
Why Employers Work With Us
Tailored Benefit Strategies
We help employers build accident insurance offerings that align with workforce needs, budget goals, and overall benefits strategy.
Strong Carrier Partnerships
Access trusted insurance carriers and competitive plan options designed for flexibility, value, and dependable support.
Enrollment Education and Support
We make it easier for employees to understand the value of accident insurance through clear communication and guided enrollment resources.
Simple Implementation Process
From plan setup to ongoing service, we streamline administration and support a smooth employer experience.
Our Strategies
Who Should Consider Accident Insurance
Accident insurance can be a strong fit for employers seeking to provide affordable supplemental coverage that helps employees manage costs after unexpected injuries. It is especially valuable for workforces with active employees, families, commuters, or individuals who may face higher out-of-pocket expenses under high-deductible health plans.
Who It Helps List:
- Employees with active lifestyles
- Parents with children involved in sports or activities
- Workers enrolled in high-deductible health plans
- Employees seeking added financial protection
- Teams looking for practical, easy-to-use supplemental benefits
Because accident-related expenses can extend beyond medical bills, this coverage gives employees flexibility to use benefit payments for daily living costs, transportation, childcare, or recovery-related needs.
Trusted By Industries
Industries We Serve
Every industry has unique workforce structures, budgets, and healthcare needs. We work with businesses across a wide range of industries to design benefit programs that support both employees and business owners.
Some of the industries we commonly work with include:
Construction & Skilled Trades
Manufacturing
Automotive & Transportation
Professional Services
Real Estate & Mortgage Professionals
Technology & Software Companies
Healthcare & Medical Practices
Restaurants & Hospitality
Retail Businesses
Logistics & Warehousing
Landscaping & Property Services
Contractors & Home Service Companies
Financial Services & Accounting Firms
Marketing & Creative Agencies
Small Business Owners & Entrepreneurs
Whether your company has a small team or a large workforce, we tailor health benefit strategies to fit the realities of your industry.
Client Trust
Common Mistakes Employers Make With Accident Insurance
Common Mistakes Employers Make With Accident Insurance
Assuming Medical Coverage Is Enough
Major medical plans may not cover every out-of-pocket expense employees face after an accident, leaving financial gaps.
Offering Plans Without Employee Education
If employees do not understand how accident insurance works, participation and perceived value may remain low.
Choosing One-Size-Fits-All Coverage
Different workforces have different risks and financial needs, so plan design should match employee demographics and priorities.
Ignoring Family Coverage Needs
Many employees value accident protection for spouses and children, especially when dependents are active in sports and activities.
Insured Options
Understanding Your Plan Options
Employers can structure accident insurance in different ways depending on workforce needs, contribution strategy, and enrollment goals.
Employer-Paid or Voluntary Plans
Accident insurance is a type of coverage designed to help employees manage unexpected medical expenses resulting from accidents. It can provide financial support for hospital visits, treatments, and other related costs, giving employees peace of mind in case of unforeseen events.
This insurance can be fully paid by the employer. When the employer covers the cost, it demonstrates a strong commitment to employee well-being and can be a valuable part of a benefits package. This approach can also increase participation since employees are automatically enrolled at no personal expense.
Alternatively, accident insurance can be fully employee-paid. In this case, employees have the option to purchase coverage according to their individual needs and budget. This approach reduces costs for the employer while still giving employees access to optional protection.
Flexible Benefit Designs
Accident insurance plans often include a variety of benefits tailored to cover different types of medical needs. This can range from emergency care and fracture treatment to hospital stays, follow-up care, and recovery services. Such coverage ensures employees are supported throughout the entire process after an accident.
Benefit amounts can vary depending on the plan design. Some plans offer higher payouts for major injuries, while others provide more modest coverage for minor incidents. This flexibility allows employers to select options that meet their workforce’s specific needs.
Employers can choose plan designs that strike a balance between affordability and comprehensive protection. By carefully selecting coverage levels, companies can manage costs while still offering meaningful support to employees.
Individual and Family Coverage Levels
Many accident insurance plans give employees the flexibility to enroll themselves individually. This allows each employee to select coverage that fits their personal needs and circumstances.
In addition to individual coverage, many plans also allow employees to extend benefits to their spouses. This ensures that the entire household can have protection in the event of an accident.
Some plans go even further by offering dependent coverage. Children or other eligible family members can be included, making the benefit more comprehensive and valuable for families.
By providing options for individual, spouse, and dependent coverage, employers can make accident insurance relevant to a wider population. This flexibility helps meet diverse employee needs while enhancing overall participation in the program.
Client Trust
Finding the Right Strategy
Every business is different, and there is no one-size-fits-all insurance solution. Our team helps employers evaluate all available options to determine the most effective strategy based on workforce size, care needs, and long-term cost goals.
Partners You Know & Trust
