Accidental Death Sports Insurance


Accidental Death and Dismemberment (AD&D) insurance pays you or your beneficiaries a set amount of money if your death or dismemberment is the direct result of an accident. AD&D is a limited form of insurance that covers you only in accidents. What does this mean? This insurance covers accidental death and dismemberment including the loss of or the loss of use of body parts or functions. According to, “In the event of a fatal accident or an accident that results in you losing your eyesight, speech, hearing, or a limb, AD&D will pay you or your beneficiaries a specified amount. However, there are restrictions and exclusions. To receive benefits related to an accident, your injuries or death usually must occur within a few months of the accident date. Also, you will only collect benefits if your death or injuries are proven, direct results of the accident.”

The article goes on to say “Dismemberment coverage works on a “per-member” basis. If you lose one member (a hand, foot, limb, sight in one eye, speech, or hearing), the insurance company will usually pay 50 percent of the full benefit. If you lose two members, you will receive the whole benefit. Coverage amounts for partial or complete paralysis vary, but are usually 25 or 50 percent. Optional coverages sometimes include hospital stay coverage after an accident, and spouse and children coverage.”

According to the Centers for Disease Control and Prevention, 130,557 people died from unintentional injuries in 2011 (the latest data available). That makes accidents the fifth-leading cause of death for Americans, behind heart disease, cancer, chronic lower respiratory diseases, and strokes. The majority of AD&D claims are for accidental death. Taking illegal drugs or illegally obtained drugs and driving a vehicle while under the influence or intoxicated could cancel your AD&D benefit.

For more information about how to protect your club with club sports insurance, contact Camp Team at (800) 747-9573 or (303) 422-2057

Accidental death insurance protects against claims from mishaps like falls or slips by spectators that may occur while under the organization’s control.