Accident & Health Insurance Program from Sinclair-Dwyer
Sinclair-Dwyer offers a specialized Accident & Health insurance program designed to provide essential protection for groups participating in organized activities. Whether your clients are nonprofit organizations, community groups, or recreational clubs, this program offers cost-effective solutions for covering volunteers, participants, directors, officers, and board members during sanctioned and supervised events.
Ideal Accounts and Appetite
This program is best suited for organizations that conduct planned, supervised activities where participation is organized and documented. Ideal accounts include:
- Nonprofit organizations with volunteer staff
- Community or youth activity groups
- Recreational clubs and sports leagues
- Boards of directors and organizational leadership teams
If you have clients who routinely organize events, excursions, or group travel, and need a way to protect their participants and leadership, this program can be an excellent fit.
Coverage Highlights and Advantages
The Sinclair-Dwyer Accident & Health program offers two primary coverages:
- Accidental Death & Dismemberment (AD&D): Provides benefits in the event of accidental loss of life or limb during covered activities.
- Accidental Medical Expense: Covers medical costs resulting from accidental injuries incurred during sponsored, supervised events, including scheduled travel.
Coverage is active while participants are engaged in activities that are sanctioned, scheduled, and supervised by the insured organization. This includes travel directly related to those events. The program is designed to be affordable and accessible, with low minimum premium thresholds and streamlined underwriting.
Underwriting Notes and Minimum Premiums
Two minimum premium levels are available—$100 and $250—based on the group type and selected coverage plan. 100% participation of the selected group is required for coverage to be issued. To initiate coverage, insureds must complete a one-page application and submit the appropriate premium payment by check.
Territories and Availability
This program is currently available in California and is written on a non-admitted basis. Agents should ensure they understand non-admitted market requirements when presenting this option to clients.
Why Work With Sinclair-Dwyer
Sinclair-Dwyer brings a practical, streamlined approach to niche Accident & Health coverage. Their focus on affordability, quick quoting, and ease of submission makes them an ideal partner for agents looking to place small group or nonprofit business. With deep experience in handling group accident risks and a commitment to responsive service, Sinclair-Dwyer makes it simple to protect your clients’ participants and leadership teams.
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 events.
Is 100% participation required for group coverage?
Yes, 100% participation of the selected group is required in order to qualify for coverage under this program.
What are the minimum premium options available?
The program offers two minimum premium levels: $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?
Currently, this program is only available in California.
Need help placing an account? Connect with a market specialist.