Voluntary Employee Benefits
Accident Insurance
Accident Insurance*
Construction employees face high likelihood of accidents outside of what Workers’ Compensation would cover.
So, Accident insurance is a smart choice, which pays cash for covered injuries such as fractures, concussions, emergency room visits, hospital stays, and follow-up care.
Benefits are paid directly to the employee and can be used for any purpose—medical bills, rent, groceries, or lost wages.
Coverage highlights*
- No health questions and simplified claims process
- Supplemental coverage that complements your health insurance to cover out-of-pocket expenses for injuries, such as cuts, broken bones, concussions, and related expenses
- Employees are paid a cash benefit based on the amount listed for each covered benefit and / or treatment
- Up to $200 per year wellness benefits payable for each family member (not just employee)¹
- Wellness benefits payable for annual physical, dental cleaning, vision exam, among others
- Portable and renewable, with no medical underwriting generally required at initial offering
¹ Offering is based on state approval. For the most accurate details, please refer to the relevant insurance policy and its coverage terms and conditions, as coverage, exclusions, and conditions vary by policy type, insurer, and jurisdiction.
*COVERAGE DISCLAIMER: These statements do not amend, modify, or supplement any current or future insurance policy. They are not a guarantee of savings or services. All clients and coverages are unique. Your results can and will vary. Coverage and riders may vary based on state. Your eligibility for products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. If there is a discrepancy between information contained herein and your policy, your policy controls and takes precedence. Consult the actual policy or the broker of record through us (or directly) for details regarding terms, conditions, coverage, exclusions, products, services, and programs which may be available to you.
*GENERAL INFORMATION DISCLAIMER: Statements on this website regarding insurance policies and coverages and other content provide general information only. There is no intentionally misleading information contained in this website, however, LaborisOne, Inc., provides no warranty as to their accuracy. Information on this website is general information only and is not a quote from us or a broker. We will endeavor to correct or clarify any incorrect information. Any hypertext links to other sites, brokers or vendors are provided as a convenience only. We have no control over those sites, brokers or vendors and cannot, therefore, endorse nor guarantee the accuracy of any information provided by those sites or the services provided by those websites/vendors/brokers. LaborisOne is an independent licensed insurance agent.