Group Benefits: Expertise without equal. Benefits without burden.

With any organizational activity in your community there is always the possibility that a participant may suffer an injury - perhaps just a cut, scratch or bruise . . . or perhaps something much more serious.  If such an accident did occur and an organization wanted to help pay the medical expenses, could it withstand the financial impact?

The Hartford's Special Risk Accident insurance can help relieve an organization of this potential problem. It adds little to the budget - yet it provides coverage for each participant. The Special Risk Accident Program is intended for the unusual type of risk which cannot be covered under one of our regular organization policies, such as Campers, Sports team, Tripster, Volunteer Firefighters and Youth Group. The potential risk should be examined to determine whether or not it falls into one of the above categories, and if so, that program should be used.

This program is designed to cover a specific event or it can cover all of a group's activities during the year. It is ideal for fashion shows, fairs, parades or parade units, outings, picnics, seminars, conventions, fund drives, beauty contests, pageants, card parties, theatrical performances, hay rides, soapbox derbies, concerts, drum and bugle corps, volunteer policemen, civil defense groups, and volunteer workers for schools, churches, hospitals, athletic camps and community celebrations.

This program is not designed for travel exposure (see the Tripster Program). However, individual travel may be included if it is incidental to the organization's primary activity. See the state availability list for the Enhanced Special Risk Program. For states where the enhanced program is not approved, refer to the Countrywide or NY Special Risk sections.

State Availability

Our Enhanced Special Risk Program is available in the following states:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Delaware, District of Columbia, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, North Dakota, New Jersey, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, and Wyoming.

 

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.