What Is Community or Civic Participant Insurance?
Community or Civic Participant Accident Insurance is designed to meet the special insurance needs of a variety of groups, including those in under-served industries. Because a group’s special events and activities are not typically covered under standard accident policies, community or civic participant accident insurance from The Hartford can be designed to cover a single event or all of a group's activities during the year. Specifically, this coverage can help pay for the medical costs associated with injuries, illnesses or even deaths that result from an accident at a covered community or group event.
For example, if someone falls off a tractor during a community-sponsored hayride event and breaks a leg or cuts themself while racing in a soap box derby at a scout event, community or civic participant accident insurance could help cover the costs of medical care and treatment of those injuries.
What Activities Are Covered by Community or Civic Participant Accident Insurance?
In general, members and supervisors are covered while participating in or overseeing covered events and activities sponsored by the organization. Community groups and organizations host a broad range of activities, so our flexible coverage can be customized to meet the unique needs of each event. Travel coverage to and from the activities may also be included at an additional charge.
The Hartford’s community or civic participant accident insurance program is ideal for these types of gatherings and more:
- Fairs
- Parades or parade units
- Pageants
- Civic and community clubs
- Dance/art/music clubs
- Parent/Teacher Association (PTS)
- Non-employer related groups
- Volunteer workers for schools, churches, hospitals and community celebrations
What Does Community or Civic Participant Accident Insurance Cover?
Our community or civic participant accident insurance provides benefits in the event of an accidental death, accidental dismemberment or injury while participating in a community-sponsored event or activity. Key coverages include:
Accidental Death & Dismemberment Insurance
Accidental death and dismemberment insurance (AD&D) from The Hartford pays a lump sum to the insured or his/her beneficiary in the event of a covered loss, such as dismemberment or death due to an unforeseeable accident.
Accident Medical Expense (AME) Insurance
Our accidental medical expense insurance (AME) can help cover medical costs to treat injuries caused by a covered accident.
To learn more about community or civic participant accident insurance, contact your insurance agent or a local representative at The Hartford today.