Higher Education, K-12, Volunteer and Special Risks

Alive Risk can provide creative, competitive and comprehensive Accident & Health products underwritten in house alongside our General Liability product for our Amusement, Sports & Leisure, Entertainment and Special Event Programs.

Program 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 & 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 able to provide coverage for:

  • Athletes Only
  • School Time
  • School Time plus All Sports

Voluntary Student Accident to include options for:

  • School Time
  • 24-Hour
  • Sports Only

Study Abroad to cover:

  • Travel benefits while away on school sponsored trips

Other Highlights:

  • Before & 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

Coverage available in all states


  • Nationwide


The description of this program is only a summary of available coverages. Actual policy language will dictate the scope of coverage in the event of a claim. We encourage policyholders and their agents to read the full policy form and any applicable endorsements for full terms and conditions. Alive Risk is a unit of the RSG Underwriting Managers division of RSG Specialty, LLC, a Delaware limited liability company based in Illinois. RSG Specialty, LLC, is a subsidiary of Ryan Specialty Group, LLC (RSG). 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).  ©2021 Ryan Specialty Group, LLC

Submit a Risk
  • Intercollegiate & Collegiate Athletics
  • Day care & Preschools
  • K-12 Student Accident
  • Non-Profit Organizations & Volunteers


Online Enrollment Programs

K-12 Voluntary Student Accident

Includes School Time, 24-Hour and Sports Only. Click on the button below to check and see if your school is covered under the plan and enroll online.

Online Enrollment

Circus Producers Insurance Program

Enroll into our Circus Producers Insurance Program online by clicking the button below.

Online Enrollment

Need Help Right Now?

Complete the short form and a Ryan Specialty Group associate will contact you, or call 800-366-5810.

Specialty Program Guide

Use this handy resource to review our custom program solutions.

Ryan Specialty Group and All Risks Finalize Merger

Ryan Specialty Group, LLC (RSG) and All Risks are pleased to announce the completion of the transaction to merge the two firms into Ryan Specialty Group. RSG is an insurance specialist providing services in wholesale brokerage and delegated underwriting authority in the form of binding authorities, programs and managing general underwriting companies. The combination of All Risks and RSG, with roughly 3,300 employees and 70+ offices across the United States, the United Kingdom and Europe, is projected to handle nearly $15 Billion in premium during 2020. Read more.