Participant Accident & Health

Accident Medical coverage for students, athletes, participants, volunteers, and business travelers nationwide

The Alive Risk® program can provide access to creative, competitive, and in-house Accident & Health products alongside the General Liability product for Amusement, Sports & Leisure, Entertainment and Special Event Programs.

Target Classes

  • Intercollegiate and collegiate athletics

  • Day care and preschools

  • K-12 Student Accident

  • Non-profit organizations and volunteers


  • K-12 Student Accident (Base, Catastrophic Medical, Voluntary)

  • Intercollegiate Sports (ICS) (Base, Catastrophic Medical)

  • Student Accident On-Campus Only or 24-Hour

  • Uninsured Student Athlete Coverage

  • Study Abroad (K-12 and colleges / universities)

  • College Health (graduate and undergraduate)

  • International Student (inbound)

  • Youth and Amateur Sports Participant Accident

  • Volunteer Accident

  • Special Risk Accident

  • Business Travel Accident

Product Highlights

Base Sports limits up to $90,000 per injury benefit maximum available

  • 100% and 80% Usual and Customary plans

  • Benefit periods of 1 and 2 years

  • Deductible (various available)

Accident Death & Dismemberment benefit included

Endorsements include coverage for:

  • HMO / PPO denial

  • Pre-existing conditions including re-aggravation and re-injury

  • Heart & circulatory malfunction

  • Expanded medical coverage for sprains, strains, and heat exhaustion

Self-Insured Retention (Aggregate Deductible) plans available

Catastrophic Medical to provide limits up to $5,000,000

Study Abroad (includes Medevac and Repatriation)

Mandatory Plans provide coverage for:

  • Athletes only

  • School time

  • School time plus all sports

Voluntary Student Accident includes options for:

  • School time

  • 24-Hour

  • Sports only

Study Abroad to cover:

  • Travel benefits while away on school sponsored trips

Other Highlights:

  • Before and after school

  • Field trips

  • Staff members

Plans provide coverage for all volunteers

Choice of $25,000 limit plan or $50,000 limit plan; higher limits available

Excess or primary coverage options

100% Usual and customary plan

Included Accidental Death & Dismemberment Coverage

Benefits payable up to one year after injury

Open Enrollment Programs

K-12 Voluntary Student Accident Enrollment

  • Includes School Time, 24-Hour and Sports Only.

  • Enroll online and select your school covered under the plan.

Circus Producers Accident Enrollment

  • Enroll online and select the circus producer under the plan.

The descriptions of these programs are only a summary of available coverages. Actual policy language will dictate the scope of coverage in the event of a claim. We encourage agents to read the full policy form and any applicable endorsements for full terms and conditions and encourage their policyholders to do the same. Alive Risk is a part of the Ryan Specialty Underwriting Managers division of RSG Specialty, LLC, a Delaware limited liability company based in Illinois. RSG Specialty, LLC, is a subsidiary of Ryan Specialty, LLC. Alive Risk works directly with brokers, agents, and insurance carriers, and as such does not solicit insurance from the public. Some products may only be available in certain states, and some products may only be available from surplus lines insurers. In California: RSG Specialty Insurance Services, LLC (License #0G97516).
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