Overview — Accident Medical Insurance from Amwins Underwriting (SMIC)
SMIC, part of Amwins Underwriting, offers specialty Accident Medical, Student Accident and related liability programs for schools, sports organizations, special events and other leisure activities. With underwriting authority across all 50 states and access to A-rated carriers, SMIC delivers flexible, programmatic solutions that can be placed on a voluntary or mandatory basis, for single events or ongoing seasonal and annual operations.
Industries and Account Types
- K-12 Education (public, private, charter, religious, preschool)
- Colleges & Universities
- Sports & Recreation (youth and adult leagues, clubs, tournaments)
- Public Entities
- Nonprofits and Religious Organizations
- Special Events, Fundraisers and Concerts
Coverage Highlights
- Student Accident — Voluntary or mandatory student accident policies for K-12 activities, including athletics; common limits start at $25,000.
- Catastrophic Accident — Excess catastrophic benefits that supplement basic student accident coverage. Typical structures include 10-year or lifetime benefit periods and catastrophic cash options. With a common deductible of $25,000, limits can range from $1 million to $6 million.
- Accident Medical — Pays medical expenses resulting from accidental injury to participants, coaches, officials and volunteers during sports, camps, mission trips and similar activities. Typical limits for most programs range from $5,000 to $100,000.
- General Liability — Bodily injury, personal injury, property damage and optional participant legal liability for events, fundraisers, leagues and associations.
- TULIP (Tenant/User Liability Insurance Program) — Short-term, event-specific liability coverage with online issuance to reduce administrative burden for facility users and owners.
- Contingency Products — Coverage for cancellation & abandonment, non-appearance, prize indemnity, over-redemption, weather cancellation, transmission failure, ticket protection and related exposures.
- Inbound International Health Insurance — Comprehensive health coverage solutions for international students, visiting scholars and exchange program participants; available on mandatory or tight-waiver bases with flexible benefit designs.
Why this program helps your clients
These programs are designed to reduce the financial and reputational risk that arises when a participant is injured, an event is cancelled, or an organization is faced with third-party liability arising from athletic or recreational activities. SMIC’s specialty focus means underwriters understand the operational differences between a one-day tournament, a school district’s athletic program, and a year-round club—so quotes and policy forms reflect real exposures.
Typical Appetite and Fit
- Good fit: K-12 and higher education student accident programs, youth and amateur sports leagues, seasonal camps, mission trips, nonprofit events, and single special events.
- Not a fit: High-risk professional sports, accounts requiring specialized workers’ compensation solutions, or exposures outside organized program structures without clear oversight.
Underwriting Notes and Minimums
SMIC offers tailored underwriting for single events through multi-year program placements. Common underwriting requirements include participant rosters, activity descriptions, supervision and safety protocols, and claims history when available. The program typically carries a minimum premium starting at $200.
Territories and Availability
SMIC has underwriting authority in all 50 states and Washington, D.C., and the program is available broadly across the United States. Because some coverages are admitted or non-admitted depending on the state and product structure, submit bind requests early so underwriters can advise on placement options and any state-specific requirements.
How agents use this market
As an MGA within the Amwins Underwriting family, SMIC gives agents access to dedicated specialty capacity and program forms for accident and event risks. You can use this market to place single events (concerts, tournaments, fundraisers) or programmatic accounts for schools, athletic associations and nonprofits.
Example scenarios:
- You have a school district that needs a mandatory student accident plan for fall athletics with catastrophic excess—this program can combine a primary student accident policy with a catastrophic excess layer.
- A community recreation department needs short-term liability and accident coverage for an annual festival with multiple vendors and volunteer staff—TULIP and short-term accident limits can be issued to simplify administration.
Click here to learn more about our offerings!
Frequently Asked Questions
What types of accounts are a good fit for SMIC’s Accident Medical program?
Accounts that involve organized activities—K-12 and college student programs, youth and amateur sports leagues, camps, mission trips, nonprofit events and short-term special events—are the best fit. The program is built for participant accident exposures and related liability risks.
What are the common limits and coverages I can quote?
Typical accident medical limits range from $5,000 to $100,000 for primary accident medical coverage. Student accident plans commonly start at $25,000, and catastrophic excess limits typically range from $1 million up to $6 million depending on structure and deductible.
What information does underwriting usually require?
Underwriters typically request a description of the activity, participant counts/rosters, supervision and safety protocols, prior loss history and whether coverage is voluntary or mandatory. For events, details about attendance, vendors, and venue agreements help determine liability exposure.
How do I submit a quote request and what is the minimum premium?
Submit detailed account information to Amwins Underwriting/SMIC via your usual broker channels. The program’s minimum premium is generally $200; final pricing depends on exposure, limits, deductible structure and whether the placement is event-specific or programmatic.
Need help placing an account? Connect with a market specialist.