You might question if accident insurance is worth it as part of your company’s benefits offering. But no matter how careful a person tries to be, accidents happen. Accident and health insurance and disability income protection work together to help provide financial protection to your employees.

Even with health and disability insurance, one injury could easily cost you a significant amount of money.

Accident insurance policies provide a strong level of financial protection for your employees.

The expenses that come with accidents can be more than many of your employees can afford. Without accident insurance to help fill the gap between medical and non-medical expenses, your employees could be faced with many expenses they may not be able to pay.

Here are just a few of the unexpected costs that your employees may be faced with:

Medical expenses:

  • Copayments
  • Deductibles
  • Other care employees are financially responsible for under your medical plan

Non-medical expenses while recovering:

  • Groceries
  • Rent or mortgage
  • Car payments
  • Child care

Accident insurance offers your employees an affordable strategy to handle the costs of today’s higher deductible health plans. It can help ease the financial burden while they recover, so they can focus on getting back to work, not trying to manage financial difficulties.

Choose the coverage level that’s right for your company

No two businesses are the same. That's why we offer four accident insurance plan options with increasing levels of coverage.

Plus, you can tailor your group coverage further to meet the specific needs of your workforce through a range of optional riders. You choose the coverage level and options that are right for your employees.

Benefits paid for over 40 circumstances

No matter which accident insurance plan you select, your employees will be covered for the following events and services outlined in the chart below. The main difference between our three plans is the coverage amount paid to insured employees.

Family coverage is available and even includes Guardian’s child organized sport benefit, which increases benefits by up to 25%1 for a child who suffers an accident while playing organized sports. We also cover baseline concussion studies which are required by many youth sports leagues.

Standard features on all plans

Our Rainy Day Fund pays benefits when a covered person has exhausted a frequency limitation on many benefits. Members start each year with up to $500 in the fund (varies based on the plan design chosen by employer) and we use that money to pay claims that would otherwise be denied due to frequency limitations. Leftover amounts up to half of the initial fund amount are rolled over to the next year. Uses for the Rainy Day Fund include doctor follow-up visits, fractures, outpatient therapies, and many more.

TravelAid Services are also included providing employees and their dependents with a safety net for both personal and business travel. TravelAid is available around the clock and the world to ensure assistance when members need help the most – whether it’s a medical emergency or simply replacing travel documents.

Optional riders for even greater protection*

The following riders can be added to a plan for even greater coverage:

Rider Description
Injury-Free BenefitTM Members are paid a benefit when their family remains claim-free for five years. We pay the benefit even if there are Wellness and/or Concussion Baseline Study claims. No other carrier offers this type of planholder rider.
Automatic Increase Option Provides an automatic 5% increase in benefits every year for a maximum of five years with no increase in employee premium. Does not apply to: disability, hospital confinement due to sickness, and wellness benefit.
Wellness rider Encourages employees to stay healthy by including a wellness benefit payment of $50 - $150 per year when they complete certain routine wellness procedures or screenings.
AD&D rider
(accidental death & dismemberment)
Additional benefit payments if there is an:

Accidental death
Catastrophic Loss
Accommodation to home or vehicle that is needed

Hospital confinement for sickness rider Additional benefit payment for each day covered person is in hospital due to sickness
Disability rider Additional benefit payment if employee or covered spouse becomes disabled and unable to work (weekly payments can be for 26 – 52 weeks)


We make it easy to add accident insurance to your benefit package

Available for employers with 2 or more employees, Guardian Accident Insurance policies allow you to offer your employees a comprehensive supplemental health option they can appreciate. In addition to providing an additional layer of financial protection for your employees, our plans are backed by comprehensive enrollment support you and you employees can count on.

Our team of enrollment experts works with you and your broker to create a plan to help maximize participation while reducing your administrative burden. Plans include robust and effective communications, education and decision support tools across all channels and media:

  • Guardian appointed representatives committed to educating employees
  • Online calculator and enrollment support at
  • Toll-free support from our dedicated employee benefits hotline
  • Customized, personalized enrollment kits provided at no additional cost
  • Seamless integration with your current benefits enrollment system and processes, or we can provide a complete enrollment solution to fit your needs

Learn more about Guardian's Group Accident Insurance.


Depends on state.

*Optional riders and/or features may incur additional costs.

Child organized sport benefit: The child must be insured by the plan on date the accident occurred. The child must be 18 years of age or younger.

TravelAid is provided by Integrated Behavioral Health, Inc., and its contractors. The Guardian Life Insurance Company of America (Guardian) does not provide any part of these services. Guardian is not responsible or liable for care or advice given by any provider or resource under the program. This information is for illustrative purposes only. It is not a contract. Only the Administration Agreement can provide the actual terms, services, limitations and exclusions. Guardian and IBH reserve the right to discontinue TravelAid at any time without notice. TravelAid services may not be available in all states.

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-IC-12, GP-1-ACC-18

This advertisement content is not currently meant for anyone in the State of NM.