Accident insurance provides cash benefits directly to injured employees or covered family members, helping pay expenses medical insurance may not cover. Baymore Insurance Services helps California employers offer affordable accident coverage with clear employee education and support.
Accidents happen every single day when we least expect them. Doesn’t matter if it’s on the court, at home, on the road, or during everyday activities.
Accident insurance helps employees and their families manage the out of pocket costs that always follow an injury, even when they already have medical insurance.
At Baymore Insurance Services, we help employers offer accident coverage that’s simple, practical, and easy for employees to understand and use.
Accident insurance, also called Accidental Injury Coverage) provides cash benefits to an employee or covered family member that is injured in an accident.
Loosely defined, an injury is anything from the outside of the body in. Think sprained ankle from tripping on something while walking out to the car.
These benefits are paid directly to the employee and can be used however they choose.
Accident insurance provides payments for:
Unlike medical insurance, Accident Insurance pays set dollar amounts based on the type of injury and treatment. Medical coverage pays the doctors and hospitals. Accidental Injury Coverage pays the employee and their family directly.
Accident insurance is designed to support:
Accidents don’t only happen at work. Recreational injuries, household accidents, and everyday mishaps are the most common. All of them come with unexpected expenses.
Accident Insurance pays the most overall claims because people get hurt.
Medical insurance covers treatments, but it doesn’t eliminate all costs. Accident Insurance helps fill the gaps by providing cash that can be used for:
For many employees, Accident Insurance becomes the difference between a manageable setback and a massive financial strain.
Accident Insurance is often offered as an employer paid benefit, but employers may also choose to make the coverage voluntary.
This flexibility allows employers to:
Because benefits are paid directly to employees, Accident Insurance is a great, inexpensive benefit for employers to provide.
Baymore Insurance Services focuses on education, so employees understand exactly how Accident Insurance works and when it pays benefits.
We help employees understand:
We help employers choose Accident plans that provide real value. We make benefits easy.
Our mission remains the same:
Accident Insurance provides simple, immediate support when injuries happen unexpectedly.
to speak with an experienced employee benefits broker and explore Accident Insurance options that protect your business, your employees and their families when life takes an unexpected turn.
Does accident insurance replace medical insurance?
No. Accident insurance does not replace major medical coverage. Instead, accidental injury insurance complements your existing health plan by paying cash benefits for covered accident-related injuries, so employees can put that money toward deductibles, copays, or everyday bills while they recover.
Who receives the benefit payment?
Benefits are paid directly to the employee (or a covered family member), not to a hospital or doctor. Because this accident insurance coverage pays cash straight to the insured, workers decide how to use it.
Is coverage limited to workplace injuries?
No. Accident insurance for employees generally applies to covered accidents that happen on or off the job, including injuries at home, while playing sports, or during everyday activities.
Can family members be covered?
Yes. Many group accident insurance California plans allow employees to enroll their spouse and children, extending accidental injury insurance coverage to the whole household under one simple, affordable benefit.
Accident insurance benefits for employees in California are simpler to understand with the right partner. Contact Baymore Insurance Services today to speak with an experienced employee benefits broker and explore Accident Insurance options that protect your business, your employees and their families when life takes an unexpected turn.