Accident insurance: cash for the unexpected
Broken bones, ER visits, stitches, ambulance rides — accident insurance pays set cash benefits for injuries, whether they happen at work, on the boat, or in your own kitchen.
Built for active lives and physical work
Southwest Florida is a place people move to be outside — boating, fishing, biking, pickleball, construction sites, and restaurant kitchens. Accident insurance is the inexpensive backstop for that lifestyle, and it's one of the most commonly claimed-on supplemental products we write.
- Cash benefits for ER visits, fractures, burns, and more
- Covers you 24/7 — work, home, and recreation
- No health questions on many plans
- Often under $25 a month for an individual
Families with kids, take note
Youth sports are the single most common source of accident claims we see. A broken arm from travel baseball or a concussion from soccer each trigger scheduled benefits. Family plans covering every kid in the household are usually only a few dollars more than individual coverage.
Frequently asked questions
What does accident insurance cover?
Covered events typically include fractures, dislocations, burns, lacerations, concussions, ER treatment, ambulance transport, hospital admission, and follow-up therapy. Each event has a scheduled cash benefit — for example, a set amount per fracture type — paid directly to you.
I'm self-employed. Is this the same as workers' comp?
No — workers' comp is employer coverage for on-the-job injuries. Accident insurance is personal coverage that works 24/7, on or off the job. For SWFL's many self-employed contractors, tradespeople, and gig workers who have no workers' comp at all, it's one of the most practical protections available.
Does it pay in addition to my health insurance?
Yes. Accident benefits are paid to you regardless of what your health plan covers. Many families use the cash to cover their health plan deductible after an injury — effectively turning a $5,000 surprise into a manageable month.
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