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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.

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).
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1. This benefit is not available in all states.

2. Benefits are not available in all states.

Not available for use in AZ, NM, or OR.


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.