Accident Insurance
Pan-American Accident & Health’s group accident coverage is a simple, economical way to help organizations take care of their people and minimize risk. We will help you deliver fast, affordable, customized solutions to your clients and prospects that seek to:
Fill gaps in their life and health insurance offerings
Provide protection against specific risks associated with certain activities
Minimize liability exposure
We are committed to providing tailored solutions that meet the individual risk management needs of each prospect and client. For this reason, we offer flexible, creative underwriting solutions. In fact, because accident insurance can be highly specialized, we may partner with third-party experts when enhanced product or administrative support is needed.
Our group accident products are designed to serve specific markets and fall into four main product categories:
Transportation
Travel
Student
Participant
To find your sales rep, click here.
Core products include:
Trucking Occupational Accident with Contingent Liability
The Occupational Accident with Contingent Liability program provides the owner-operator with benefits that support their recovery and ability to return to work. It covers eligible classes for on-the-job injuries and also includes limited coverage for non-work-related claims.
Participant Accident
Participant accident insurance provides protection for a wide range of participants and staff, and peace of mind for parents and organizations. Our plans include daycare & child care accident insurance, campers’ accident insurance, and broad participant accident insurance.
Business Travel Accident
Travel Accident service completes the employee benefits package and offers protection to employees exposed to higher risks due to job travel with a national focus.
Individual Accident
Provides accidental death and dismemberment coverage for Individuals and their families with the ability to add a variety of other coverages such as accident medical expense.
Accident/Accidental Death & Dismemberment (AD&D)
Provides valuable coverage for employees and other types of organizations for accidents that occur 24 hours a day. We provide a robust policy form that offers a wide range of benefit options that can be tailored to customers’ needs.
Interested in Learning More?
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About Pan-American Accident & Health
At Pan-American Accident & Health, we provide quality benefits that offer solutions in response to the pressures of rising insurance costs in a competitive marketplace. Our products are recognized nationally for the quality of benefits, competitive pricing and the ability to customize offerings for a wide variety of industries. We strive to provide group benefit programs that are uncomplicated which means products and services that are easy to use and understand. Pan- American Accident & Health is a division of Pan-American Life Insurance Group which is a leading provider of insurance and financial services throughout the Americas. Since 1911, Pan-American Life has delivered reliable, flexible and quality products based on our deep knowledge and understanding of both the U.S. and Latin American markets in which we do business.
Pan-American Life Insurance Company, the issuing company for our insurance products, enjoys the following ratings from independent rating agencies that evaluate the financial strength of insurance companies, taking into account their balance sheet, operating performance, business profile and their ability, in financial terms, to meet their obligations to policyholders.
"A" (Excellent) from AM Best—AM Best is a large third party independent reporting and rating company that rates an insurance company on the basis of the company’s financial strength, operating performance and ability to meet its ongoing obligation to policyholders.
"A" (Strong) Insurer Financial Strength with Outlook Stable from Fitch—The Insurer Financial Strength (IFS) Rating provides an assessment of the financial strength of an insurance organization.