Participant Accident & Health Program

Accident and Medical coverage for students, athletes, participants, volunteers and business travelers

Alive Risk can provide access to creative, competitive and in-house Accident & Health products alongside the General Liability product for 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 and 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 provide coverage for:
    • Athletes only
    • School time
    • School time plus all sports
  • Voluntary Student Accident includes options for:
    • School time
    • 24-Hour
    • Sports only
  • Study Abroad to cover:
    • Travel benefits while away on school sponsored trips
  • Other Highlights:
    • Before and 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


Available nationwide

Target Classes

  • Intercollegiate and collegiate athletics
  • Day care and preschools
  • K-12 Student Accident
  • Non-profit organizations and volunteers


  • K-12 Student Accident (Base, Catastrophic Medical, Voluntary)
  • Intercollegiate Sports (ICS) (Base, Catastrophic Medical)
  • Student Accident on-campus only or 24-Hour
  • Uninsured Student Athlete Coverage
  • Study Abroad (K-12 and colleges / universities)
  • College Health (graduate and undergraduate)
  • International Student (inbound)
  • Youth and Amateur Sports Participant Accident
  • Volunteer Accident
  • Special Risk Accident
  • Business Travel Accident

Submission Requirements

  • Supplemental Application
  • 3-5 Years of premium and loss history
  • Copy of current policy

Open Enrollment Programs

K-12 Voluntary Student Accident

  • Includes School Time, 24-Hour and Sports Only. In the link below, select the school that is covered under the plan and enroll online.
  • K-12 Online Enrollment

Circus Producers Insurance Program


Holly Wilson
P: 612-895-2128
M: 267-314-2681
Send submissions to


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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 agents to read the full policy form and any applicable endorsements for full terms and conditions and encourage their policyholders to do the same. Alive Risk is a tradename of RSG National Specialty Programs, which 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 ©2021 Ryan Specialty Group, LLC
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