Special Risk Program (Enhanced)

• Availability
• Eligibility
• Who is Covered?
• Covered Activities
• Plans
• Underwriting
• Premiums
• When Coverage Begins
• Additional Information Pertaining to Special Risk Accident Program Supplement

Availability

Our Enhanced Special Risk Program is not available in all states. See our Special Risk Countrywide Program for:

• Connecticut
• Florida
• Kansas
• Maine
• Maryland
• Montana
• South Carolina
• Vermont
• Washington

Eligibility

The program is ideal for but not limited to:

• Fashion Show
• Fairs
• Parades or Parade Units
• Outings
• Picnics
• Seminars
• Conventions
• Fund Drives
• Beauty Contests
• Pageants
• Theatrical Performances
• Hayrides
• Concerts
• Volunteer Workers for Churches
• Schools
• Hospitals
• Community Celebrations

Who is Covered?

All members of the group or organization and in some instances all instructors/supervisors are covered, subject to the terms of the policy.

Covered Activities

Coverage under the Special Risk policy is tailored to meet the needs of the organization involved. Generally, members and supervisors are covered while participating in or supervising activities sponsored by the organization. Individual travel coverage to and from the activities may also be included at an additional charge.

For more information about terms, conditions, limitations and exclusions please review the Blanket Lines Description of Coverages document.

Plans

Benefit plans are highly flexible to meet the needs of each individual organization.  An attempt should always be made to keep benefits at a reasonable level in accordance with actual needs of the group.

Plans and rates for eligible groups for this program may be obtained from our Accident Underwriting Department. Each case submitted will be underwritten and rated in accordance with the nature of the group.

Underwriting

All quotations for organizations to be covered under the Special Risk Accident program will be processed through our Accident Underwriting Department.
Complete and return the applicable request form along with any other information you feel may be helpful in underwriting the case. Pay particular attention to the following factors:

1. Experience of participants and supervisors as well as type and frequency of activity will affect the rate.
2. Individual travel coverage to and from activities is available to many eligible groups and it will affect the rate.
3. If coverage has been provided previously by another carrier, please provide premium and loss information for the past 3-5 years with the Request for Proposal.

All members (and all instructors/supervisors if eligible) of a group must be included in the policy. No name lists are required, but a premium must be paid for each person to be insured. New members joining the group while the policy is in effect will be covered automatically until the policy expiration date without additional charge. The total premium for the policy is payable when insurance becomes effective. No refunds will be made for members who leave the group before the policy period expires.

Premiums

The minimum premium for the Special Risk program is $310. The minimum premium is non-refundable in the event the policy is canceled after the effective date.

When Coverage Begins

If the Request for Insurance is received and approved before the starting date of the group activity or program, coverage will begin on the first day of the activity or program. Otherwise, coverage will begin on the date the Request for Insurance is approved following its receipt by The Hartford.

Additional Information Pertaining to the Special Risk Accident Program

It is not the purpose of the Special Risk Accident Program to cover heavily concentrated air travel exposure. However, the rates shown in this section do include air travel as long as the aggregate limit of the group does not exceed $1,000,000 on any one aircraft.
The Special Risk Accident Program outlined in this section is not available to any group organized for the practice or play of competition team sports.
Adult church groups do not include groups engaged in volunteer construction activities.
Coverage for Institutions of Higher Learning is not available to schools with activities of a hazardous nature, and is not available in some states. This program is primarily designed for use in community colleges, business schools, computer science and other specialty type schools. Examples of hazardous activities include skydiving, demolitions/explosives, or stunt-flying. Please contact the Accident Underwriting department with questions regarding eligibility.
Coverage for ski trips is not available to any group organized only for the purpose of engaging in competitive skiing or ski jumping. If the group does both recreational and competitive skiing, only recreational skiing will be covered. The Hartford can provide coverage for competitive skiing events under a Sports Accident Program. 

 

 

The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company.  Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Office of both companies is Simsbury, CT.  All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.  This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued.  In the event of a discrepancy between this brochure and the policy, the terms of the policy apply.  Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy as issued to the policyholder.  Benefits are subject to state availability.