Employee Benefits / Workplace Benefits
Accident Insurance

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Give your employees the chance to protect themselves and their loved ones against unforeseen costs of an accident

An accident could easily leave your employees financially strained. While it’s common for people to feel that their health plans and disability insurance have them safely covered for accidents, there can be significant gaps in their protection.

Accident insurance provides payments for the diagnosis and treatment of covered accidental injuries. Employees receive the payment, regardless of other insurance coverage, to help offset a variety of expenses - ranging from medical plan deductibles and co-pays to ambulances, scans, X-rays, surgical procedures, physical therapy, and diagnosis of burns, dislocations, and fractures. Payments can be used for any non-medical expenses the employee chooses as well. Accident insurance lets your employees make a solid financial plan, knowing that they’ll be much better protected when the unexpected happens.

As an employer, offering accident insurance will provide you with a way to strengthen your employees’ financial security, while building an attractive benefits package. And you can offer this coverage affordably to employees at no additional cost to you.

1.7 M

Americans live in households that will declare bankruptcy due to their inability to pay their medical bills.1

15 M

More than 15 million American adults (ages 19–64) will use up all their savings to pay medical bills.2

Accidents are common occurrences. Help employees to protect themselves from unexpected costs.

Benefits of Guardian’s Accident Insurance

  • Direct payment to employee. Accident payments are based upon the type of accident and duration of treatment. The check is sent directly to your employee and can be spent as they see fit.

  • Choices in protection. We offer tiered coverage levels and can adapt plans to fit your needs.

  • Enhanced level of child protection for organized sports. Unique to Guardian, our plan includes a feature at no additional cost, which increases payment by 20% if a covered child (18 or younger) is injured in an organized sport. This benefit is particularly appealing to employees with active families.

  • Extend coverage with optional enhancements. We offer “riders,” for an extra fee, that provide enhancements to the insurance contract. For example, a Wellness Rider provides employees and their families with a payment for taking medical screenings and common preventive procedures. Other riders can provide payments for hospital confinement due to sickness.  

Jessica Aviles, a real-life working mom with five kids in competitive sports, talks financial confidence.

Accident Insurance Covers A Wide Range Of Related Expenses, Including:

  • Ambulance Services
  • Emergency Room Treatment
  • X-rays
  • Concussions
  • Burns
  • Dislocations
  • Fractures
  • Hospital Confinement
  • Doctor Visits
  • Physical Therapy
  • Child Sports Injuries


At Guardian, we offer a full suite of benefits that can truly make a difference for your employees by protecting their income or savings, or even their health.  We focus on benefits, so you can focus on running your business.


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1, 2 NerdWallet Health finds Medical Bankruptcy accounts for majority of personal bankruptcies,” March 26, 2014. 

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.