Why Summer Is a Great Time to Offer Employees An Accident Plan

Summer brings sunshine, vacations, and outdoor fun—but it also comes with a spike in accidental injuries. Kids are home from school, families are traveling, and people are generally more active, which naturally leads to more chances for unexpected mishaps.

This makes summer an ideal time for employers to highlight the value of supplemental insurance plans like accident insurance.

Accident insurance helps cover costs associated with sudden injuries—like sprains, fractures, ER visits due to accidents, or even ambulance rides. While it’s not a replacement for major medical insurance, it can supplement it by easing the burden of out-of-pocket expenses such as deductibles and copays.

Common benefits in an accident plan may include:

• Coverage for emergency room and urgent care visits

• Benefits for hospital stays and surgeries

• Ambulance and transportation support

• Reimbursement for follow-up visits and physical therapy

• Lump-sum payouts for specific injuries

Supplemental insurance, like accident plans, can typically be offered as a voluntary benefit—meaning employees choose to enroll and pay premiums themselves through payroll deduction—or as an employer-paid option to add value and boost retention. Either way, it's a low-cost way to provide meaningful support.

One of the best parts? Employers can often introduce accident insurance at any time of the year—even if their major medical plan doesn’t renew in the summer. It’s a flexible, affordable way to enhance your benefits offering when it matters most.

For employees, the coverage provides peace of mind. For employers, it's a simple and effective way to support your team, especially during a season when accidents are more likely.

Give your team extra confidence this summer with protection that’s ready when life gets a little bumpy.