Special Risk

Special Risk

Crum & Forster, Accident & Health offers admitted solutions and flexible underwriting for a wide variety of accident only groups and organizations.

We work with program managers to deliver the proper benefits for each client’s specific needs.


  • Employee Benefit & Wellness Plans
  • Affinity Groups & Associations
  • Financial Institutions/Financial Services
  • Religious & Not-for-Profit Organizations
  • Sports & Recreation
  • Camps
  • Daycare Facilities
  • Educational Institutions
  • Gig/Sharing Economy Platforms
  • Trucking
  • Youth Organizations
  • Captive Options available




Specialty Business Unit
Susan Silfen
Accident & Health
[email protected]

Special Risk
Kristopher Rynshall
Accident & Health
[email protected]

Contact our Team
[email protected]

General Inquiries
[email protected]

K-12 Capabilities
Intercollegiate Sports Capabilities
Blanket Special Risk Capabilities
Travel Capabilities
Travel Medical Capabilities

Blanket Special Risk

Accident medical, sickness medical, accidental death & dismemberment, and various other coverage components are available for:

  • Special interest groups
  • Youth sports
  • Camps
  • Groups with unique duration and coverage needs

K-12 Accident & CAT

Accident medical and accidental death & dismemberment coverage is offered for students enrolled in kindergarten through 12th grade, public or private school.

Intercollegiate Sports

Accident medical coverage is provided for students participating in college sports. This product can be offered on a stand-alone basis or in conjunction with college accident and sickness coverage.

Participant Accident

Accident medical and accidental death & dismemberment coverage is offered for youth and adult sports leagues, camps, clinics, entertainment events and recreational activities.

General Liability

General liability provides protection for spectator and non-spectator participant programs against liability claims of bodily injury and property damage, as well as litigation costs to defend such claims.

Coverage can be offered for:

  • Youth and adult sports leagues
  • Camps
  • Clinics
  • Entertainment events
  • Recreational activities.

Group Accident / AD&D

Likely one of the most important and critical benefits for employees from providers, C&F Group Accident/AD&D includes captive insurance options. Plan designs and schedules can also be customized to provide various benefits to valid associations, affinity groups, and financial institutions.

Coverage may include, but is not limited to:

  • Accidental Death & Dismemberment
  • Accident Medical Expense
  • Weekly Accident Indemnity

Blanket Accident

Our new Blanket Accident product has multiple solutions for in- and out-of-US territory risk for US citizens and is suited for multiple groups including Employer, School, Camp, Sports, and Charitable organizations as well as others. The flexible filing includes, but is not limited to the following key benefits:

  • High-Limit AD&D
  • Out-of-Country Medical Benefits
  • Medical Evacuation
  • Security Evacuation
  • Catastrophic Cash Benefit
  • Natural Disaster Evacuation
  • War Risk Coverage

Business Travel Accident

Provides accidental death & dismemberment benefits for employees while traveling on company business, at the work site during their job, or on a 24-hour basis for key employees who must be available at all times to represent their companies.

Coverage can be written on classification of salary or flat dollar amount and may include benefits for medical expenses, disability, permanent total disability, coma, paralysis and other additional benefits.

Travel insurance and worldwide travel assistance may also be included.

Season Interruption

Season Interruption coverage reimburses youth and amateur athletes of Club Activity participation fees when covered illness or injury occurs either on or off the field that prevents the athlete from playing/participating in a Club Activity.

We provide coverage for both individuals and organizations.

Personal Accident CAT Reinsurance

We work flexibly with our partners and producers, and, in some cases, can offer specialty reinsurance to complement a deal, either via our AM Best A-rated captive or as a reinsurance partner. Coverage can be tailored to various accident risk profiles.

Plan designs and availability may vary by state.


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