Accident insurance protects your employees from the unexpected

Empower your employees to be prepared for whatever life throws their way

When employees get injured, it can take a mental and financial toll. Help give your employees peace of mind with access to accident insurance that can help cover the costs of accident care, recovery and even treatment‐related transportation and lodging.

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How accident insurance works

Increase benefit coverage options without impacting your bottom line

When an employee experiences a sudden covered accidental injury, accident insurance can help them offset unexpected medical expenses that aren’t covered by their medical insurance. Since benefits are paid directly, they can be used to cover things like co-pays and deductibles, making accident insurance a great complement to a high deductible health plan.

Coverage can be entirely employee-paid, offering a way to expand coverage options for employees without impacting your budget. Everyone wins:

  • Budget-friendly payroll deduction. You can offer accident insurance to employees with no extra billing.
  • Payments are made directly to employees. Accident payments are based upon the type of covered accident, and employees can spend the money how they want.
  • Flexible coverage options. Employees can choose coverage for just themselves, or they can select family coverage for their spouse and children.
  • No Medical Underwriting to qualify for coverage. Employees can get coverage without answering health questions, depending on the plan they choose.
  • Wellness benefit. Some plans offer a benefit for certain types of health screenings.

Talk with your Colonial Life sales representative to learn how accident insurance can help you offer more competitive benefit packages for your employees and help them prepare for the unexpected.

Our accident insurance is designed with both employees and employers in mind

Employers and HR professionals

  • Provide a sound benefits package that can help attract and retain high-performing employees, without incurring additional company expenses
  • Manage the increasing costs of coverage through voluntary benefits and potential savings
  • Simplify the enrollment process for all your benefits, including traditional medical plans, by partnering with our nationwide team of benefit counselors
  • Reduce administrative burden by leveraging Colonial Life’s enrollment solutions and 24/7 support

Your employees and their families

  • Can gain peace of mind so they can focus on health and recovery instead of worrying about paying bills
  • Receive direct benefits (unless they specify otherwise) that can be used however they’d like, regardless of any other insurance they may have
  • Can select coverage options for themselves and/or eligible dependents
  • Some policies are portable, allowing employees to keep their coverage even if they change jobs

Commonly asked questions about accident insurance


Group Accident (GAC4000): Applicable policy form GACC1.0-P 76103 (including state abbreviations where used, for example: GACC1.0-P-TX).

Group Accident: Applicable policy form GACC1.0-P 76103 ( (including state abbreviations where used, for example: GACC1.0-P-TX).

Individual Accident (IAC4000): Applicable policy form IAC4000 81157 (including state abbreviations where used, for example: IAC4000-TX).

Individual Accident: Applicable policy form Accident 1.0-HS 71152, Accident 1.0-NS 71153.

Gunshot Wound: Applicable policy form PYWOL.

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