Limits

• Accident medical expense limits up to $7.5 million per person 
• Catastrophe cash up to $1 million per person

Participant accident

• An additional catastrophic cash benefit is available with camps/clinics, conferences and volunteer group coverage. This benefit pays if the insured person suffers paralysis, coma or brain death, and is considered totally disabled.

Felonious assault benefit

Student accident

• Bereavement and trauma counseling benefit
• Crisis death benefit for acts of violence on school premises or during school activities

Amateur sports

• Teams
• Leagues
• Sport camps
• Associations
• National governing bodies

Education/schools

• Pre-K–12 non-sport programs – Protection for students, facility and staff for non-sport related injuries
• Pre-K–12 sports programs – Protection for students, faculty, staff, volunteers, managers and coaches. Coverage can be expanded to include tackle football, ice hockey, lacrosse, rodeo, rugby, skiing and snowboarding
• Intercollegiate sports programs – Expanded protection for athletic directors, coaches, trainers, cheerleaders, key participants, as well as prospective students and their chaperones
• College/Universities – Protection for student and faculty while on campus or traveling domestically or abroad

Line of duty

• EMS and EMT organizations
• First responders 
• Fire departments
• Police

Youth and adult activities

• Camps, clubs, clinics and recreational associations
• Civic groups
• Volunteer groups
• Fraternal and religious organizations
• Nonprofit organizations
• Recreational organizations and programs
• Special events, corporate fundraisers, publicity events and walk-a-thons
• Youth and adult groups