Participant Accident Insurance for Non-Profit Organizations

This document is a guide detailing Chubb’s Participant Accident coverage, which offers insurance protection for members or volunteers of various organizations, including non-profits, religious, and cultural groups. The coverage is designed to address medical expenses resulting from accidents that occur during sponsored activities, regardless of fault. It outlines the eligibility criteria for coverage, which extends to volunteers, members, and potentially employees of the policyholder. The guide provides hypothetical claim scenarios to illustrate the types of situations that may arise and how the policy responds to them. Coverage includes accident medical expense benefits, accidental death and dismemberment, and various additional benefits. The document emphasizes the importance of this insurance in filling gaps left by general liability and workers' compensation policies, thereby enhancing the overall protection for organizations and demonstrating their commitment to the well-being of their volunteers and members.