Accident and Health Insurance

Coverage for students, participants, coaches, volunteers & more…

Financial burdens, including emergency treatments, hospital stays, medical tests and loss of income are alleviated with Accident and Health insurance. All Risks offers direct access to a number of Accident and Health insurance markets with unique programs for Accident Medical insurance for students, participants, coaches, chaperones, and volunteers as well as insurance for businesses including Medical Stop Loss, Minimum Essential Coverage, and Occupational Accident/Contingent Liability coverage. Contact an All Risks Accident and Health insurance specialist today to learn more about our coverage solutions!

Target Classes

  • Behavioral healthcare
  • Camps and clinics*
  • Colleges/Universities*
  • Consulting
  • Courier/Delivery
  • Home care services
  • Individual students*
  • Landscaping
  • Oil/Gas
  • Office-related services
  • Professional services
  • School districts*
  • Special events*
  • Sports organizations*
  • Technology
  • Trucking

*Offered through ALIVE RISK, a division of All Risks, Ltd. More solutions are also available, contact us to learn more.

Disclaimer: All classes and lines of coverage may not be available in all states. For current availability, please contact an All Risks Specialist.

Submission Requirements

  • ACORD form
  • Supplemental Application will vary by risk
  • 3-5 year loss runs

Find an Application

Submit a Risk
  • Brokerage, bindng and program capability
  • 48-hour turnaround with full submissions
  • Nationwide access
  • P&C and WC options may be available
  • Behavioral Health Provider – $450k
  • Home Health Provider –  $275k
  • Courier – $195k
  • Package Delivery – $65k
  • General Freight Hauler – $40k
  • Auto Hauler – $30k
  • General Freight Hauler – $25k
  • Fuel Hauler – $21k
  • Sand and Gravel Hauler – $20k
  • General Freight Hauler – $11k

Need Help Right Now?

Complete the short form and an All Risks associate will contact you, or call 800-366-5810.

On-demand Coverage for On-demand Deliveries

Success Story: All Risks provides Occupational Accident and Contingent Liability for fast-growing courier service with 500 drivers.

Success Story – Protection for a Home Healthcare Independent Contractor

We recently provided Occupational Accident and Contingent Liability for an In-Home Non-Medical Support Services agency who was in search of on-the-job protection for their independent contractors.

All Risks Introduces New Accident & Health Division

We offer a variety of products focused on alternative funding strategies, Gap and Occupational Accident coverage.

Promise to Our Partners

Our business is conducted as a three-way partnership; serving as the intermediary between our clients—retail insurance brokers who allow us to find the proper markets for their insureds and our carriers—the strategic partners that insure the risks that we place. We carefully select our retail broker partners and focus our resources where our abilities and interests best match.

We commit to our carriers that we will always provide all of the pertinent information that we have regarding any risk being submitted to them. We will never be guilty of failing to furnish information that is germane to underwriting a risk, simply because the underwriter did not ask us the right question.