Accident & Health Insurance Program from Sinclair-Dwyer
Sinclair-Dwyer offers a focused Accident & Health program to help you protect groups that participate in organized, supervised activities. The program is designed for agents placing coverage for nonprofit organizations, community and youth programs, recreational clubs and sports leagues, and boards or volunteer leadership teams. It delivers straightforward, affordable accidental medical and accidental death & dismemberment protection for participants, volunteers, directors, officers, and board members while they are engaged in sanctioned events and related travel.
Ideal Accounts and Appetite
This program is a good fit when your insured runs planned, documented activities with attendee lists and supervision. Typical accounts include:
- Nonprofits with volunteer staff or event participants
- Community groups and youth organizations (day events, tournaments, practices)
- Recreational clubs, amateur sports leagues, and outdoor activity groups
- Boards of directors and elected or volunteer leadership teams attending meetings, retreats, or sponsored trips
Accounts that routinely organize scheduled events, excursions, or group travel and need low-cost accidental medical and AD&D protection are the best matches. This program is not intended for high-risk commercial operations, professional sports, or unlicensed activities without supervision.
Coverage Highlights and Advantages
Sinclair-Dwyer’s Accident & Health offering includes two core coverages:
- Accidental Death & Dismemberment (AD&D): Benefits for covered accidental loss of life or limb occurring during covered activities.
- Accidental Medical Expense: Reimbursement of medical costs for accidental injuries sustained while participating in scheduled, sanctioned, and supervised events — including travel directly related to those events.
Coverage is active only while participants are engaged in insured activities and during direct travel to and from those events. The program emphasizes simple quoting, low administrative burden, and economical options for small groups.
Underwriting Notes and Minimum Premiums
Key points for submission and binding:
- 100% participation of the selected group is required for coverage to be issued.
- Two minimum premium levels are available—$100 and $250—depending on group type and plan selected.
- Submissions are completed with a one-page application and the required premium payment (check) to initiate coverage.
Territories and Availability
This program is currently available in California only and is placed on a non-admitted basis. Make sure you and your client are comfortable with non-admitted market requirements and placement implications in CA before submitting.
Why Work With Sinclair-Dwyer
Sinclair-Dwyer is positioned for agents who need a practical, fast-to-bind accident program for small groups and nonprofit clients. Their strengths include:
- Streamlined underwriting with a one-page application and quick quoting
- Low minimum premiums that make coverage affordable for small events and volunteer-driven organizations
- Experience handling group accident risks and a hands-on approach to servicing niche accounts
These features make Sinclair-Dwyer a go-to option when you need simple, cost-effective accidental medical and AD&D protection for organized group activities.
Agent Examples
- You might have a community youth soccer league planning weekend tournaments that want accidental medical expense coverage for players and volunteer coaches while games are scheduled and supervised.
- Or a non-profit that sends board members on an annual retreat and needs AD&D and accidental medical protection during the organized travel and retreat activities.
Frequently Asked Questions
What types of accounts are a good fit for this Accident & Health program?
Ideal accounts include nonprofit organizations, recreational groups, youth programs, and boards of directors that need accident coverage for volunteers and participants during organized, supervised events.
Is 100% participation required for group coverage?
Yes. The program requires 100% participation of the selected group for coverage to be issued.
What are the minimum premium options available?
Two minimum premium levels are offered—$100 or $250—depending on the group type and plan selected.
What is covered under the Accident & Health policy?
Coverage includes Accidental Death & Dismemberment and Accidental Medical Expense for injuries sustained during sanctioned, supervised activities and related travel.
Is this program available outside of California?
No. At this time the program is available only in California and is placed on a non-admitted basis.
Need help placing an account? Connect with a market specialist.