Protect your family from accidents.

Over 40 million Americans receive treatment for an injury each year1. These accidents often lead to unexpected expenses that can hurt your wallet. Accident insurance is different from health and disability insurance because it helps protect you from the unexpected costs those types don’t cover and can be considered a supplemental insurance.

What are the benefits of our accident insurance?

It’s paid directly to you

An accident insurance plan pays you directly in cash without any deductible or extra waiting time after your claim is verified.

You choose how to spend your money

The money you receive from your accident insurance can be used however you want as you recover from your injuries, covering anything from medical costs to non-medical costs like your monthly rent.

Take advantage of our flexible Rainy Day Fund.

Our Rainy Day Fund is standard on all plans. Start each year with up to $500 in the fund that we use to pay claims that would otherwise be denied due to certain limitations. 

Use optional features for extra coverage**

Employers can tailor their benefits to their employees. With our Injury-Free BenefitTM, you are paid a benefit when your family remains claim-free for five years, and only Guardian offers this benefit. We also offer an automatic increase option that provides an automatic 5% increase in benefits every year for a maximum of five years with no increase in employee premium.*** 

Here’s how you can get accident insurance with us

  • If you’re looking to purchase your own coverage, you’re in luck. Guardian offers accident insurance that can be purchased online without a financial representative.

    Buy direct
  • We work with many employers to provide their workers with accident insurance as part of their benefits package. If you want to elect Guardian accident insurance through your employer, please speak to your benefits or human resources department.

    Already have Guardian accident insurance through work?

    Log in to your account to file a claim and more.

    Log in
  • Not only is accident insurance a great way for companies to deal with the increasing cost of today’s medical plans, we give businesses the flexibility other carriers may not.

    Talk to your broker to get started

    Connect us to your benefits broker and we’ll work with your team to determine the best coverage for your company’s needs.



CDC Centers for Disease Control and Prevention, National Center for Health Statistics,, 2017.


Between 20% to 25% depending on your state.


The child must be insured by the plan on date the accident occurred and the child must be 18 years of age or younger.


Optional Riders and/or features may incur additional costs.


Does not apply to: disability, hospital confinement due to sickness, and wellness benefit.

The Rainy Day Fund does not apply to benefits without frequency limitations, or Wellness claims. Covered benefits include: air ambulance, ambulance, blood/plasma/platelets, chiropractic visits, diagnostic exam (major), doctor follow-up visits, emergency dental work, epidural anesthesia pain management, eye injury, family care, fractures, gunshot wound, hospital confinement, hospital ICU confinement, joint replacement, knee cartilage, lodging, outpatient therapies, rehabilitation unit confinement, ruptured disc with surgical repair, surgery (cranial, open abdominal, thoracic, hernia), surgery (exploratory and arthroscopic), transportation, and x-ray.

Automatic Increase Option: Covered person must be insured under the certificate for 12 consecutive months before the first adjustment is applied. Does not apply to disability, hospital confinement due to sickness, and wellness benefit.

Guardian's Accident Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY.  Products are not available in all states.  Policy limitations and exclusions apply.  Optional riders and/or features may incur additional costs.  Plan documents are the final arbiter of coverage.  This policy provides Accident insurance only.  It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. IMPORTANT NOTICE –THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS. Policy Form # GP-1-AC-BEN-12, et al.

Individual Accident Insurance products are underwritten by The Guardian Life Insurance Company of America, New York, New York. Products are not available in all states. Policy limitations and exclusions apply.  The actual limitations and exclusions that apply to your Accident Plan are governed by the policy forms approved for use in your state.  Please refer to your policy for a complete list of limitations and exclusions. In the event of a conflict between this document and the language stated in your Guardian insurance policy, the language of the policy shall control.  This policy provides limited benefits only. Rates are guaranteed for one year for your policy of benefits initially selected. Policies renew annually up to age 90. Accident Individual Policy Form IP- Accident:  IP-ACC-16 et. al.

This advertising content is not currently meant for anyone in the state of NM.

GUARDIAN® is a registered service mark of The Guardian Life Insurance Company of America®

2019-79029 EXT 20221231