Accident Insurance

Additional financial support in times of need. Unum Accident Insurance can help your employees get back on their feet after an accidental injury. Our plans provide a lump sum benefit to help them with expenses not covered by their medical insurance, such as co-pays, transportation costs and out-of-pocket fees.

Accidents can be costly — but you can help your employees cope

An accidental injury could put your employees under significant financial strain. We can help them protect their finances after an accident. Our Accident Insurance plans can pay a lump sum benefit directly to your employees when they or covered family members experience a covered injury.

Protection for employees

  • More than 100 common injuries and treatments are covered.
  • Employees have the freedom to use the lump sum benefit however they choose.
  • The plan has no medical underwriting to qualify for coverage when your employees sign up during an enrollment event.

Ease and cost savings for you

  • Plan design options — including coverage for injuries on and/or off the job — can help you and your employees meet your financial objectives.
  • A variety of covered injuries and treatments that can be configured to meet multiple price points, meeting your employees where they are.
  • HSA-compatible All plans are HSA-compatible.
  • Annual wellness benefit for routine examinations or other preventive testing encourages responsible health management.1
  • Several new benefit provisions2 are available with a 1/1/23 effective date. New benefits include: Organized Sports benefit (for all insureds), Behavioral Health Therapy, Pet Boarding, Personal Safety benefit, and a Building Benefit (increases the value of your coverage the longer coverage is enforced).

Plan administrators

Manage online billing, update employee salary adjustments and terminations, and more through our secure website.

Commonly asked questions about Unum Accident Insurance

1. This benefit is not available in all states.

2. Benefits are not available in all states.


The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. See the actual policy or your benefits representative for specific provisions and details of availability. Applicable to policy forms GA-1, GAP16-1, GAP16-3-NH, GAP16-1-NJ, and GAP16-1-NY.

Underwritten by Unum Life Insurance Company of America, Portland, ME or Unum Insurance Company, Portland, ME.

In New York underwritten by First Unum Life Insurance Company, Garden City, New York or in New York and New Jersey underwritten by Provident Life and Casualty Insurance Company, Chattanooga, TN.

The base policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.