SPORTS INSURANCE SPECIALISTS
A-G Administrators Sports Athletics Insurance
Protection for the Unexpected

K-12 Student Accident Plans

As health insurance premiums and deductibles consistently increase, many institutions consider student accident plans to defray costs and potential institutional liability.

A-G Administrators offers an array of customized insurance products to K-12 institutions developing comprehensive student accident plans.


Many institutions can limit their risk exposure by implementing a mandatory accident plan wherein parents purchase policies.

These plans are typically excess plans meaning, benefits are paid secondarily to any personal insurance that a student possesses. Limiting out-of-pocket expenses a student or his/her family may incur from the result of an accident on campus is certainly a proactive step in minimizing the risk of litigation that could result from an unfortunate situation.

Schools that require compulsory insurance plans, where the institution purchases policies, will benefit from A-G Administrators’ experience in the marketplace and our streamlined process in creating a custom plan. Compulsory insurance plans provide benefits for injuries sustained during the hours and days when school is in session and while students are attending or participating in school-sponsored and supervised activities on and off school premises.

Compulsory policies can also cover:

  • Participating in interscholastic sports, including football

  • Traveling to and from school and school-sponsored activities

24-Hour Accident Insurance
A-G Administrators offers insurance through institutions that provides twenty-four hour student coverage. Voluntary student plans generally cover everything compulsory plans do and provide benefits for covered injuries around the clock and throughout the year including weekends, vacations and summers.

School Time Accident Medical Coverage
Provides benefits for covered injuries sustained during the hours and days when school is in session and while students are attending or participating in school-sponsored and supervised activities on or off school premises.

School time accident medical also covers:

  • Participating in interscholastic sports, including football

  • Traveling to and from school and school-sponsored activities

A-G Administrators’ interscholastic sports policies provides benefits for covered injuries sustained during try-outs, pre-season, regular season and post-season play, travel to and from games and practices.

Up to $5,000,000 in Catastrophic Accident Insurance for K-12 Students and Student Athletes- Catastrophic Cash Benefit up to $500,000 Per Covered Accident, if a covered person suffers paralysis, coma, or brain death as a result of a covered accident, a catastrophic cash benefit will be paid in accordance with the option you select and in addition to the medical expense benefits.

Create Your Program:
Choose up to $5,000,000 in excess accident medical expense benefit for covered accidental injuries with a ten year benefit period or $1,000,000 with a lifetime benefit. K-12 catastrophic programs have a $25,000 deductible. Benefits paid under the base plan are applied to the deductible of the catastrophic plan. The first eligible expense must be incurred within 26 weeks of the date of the covered accident. The deductible must be satisfied within two years of the date of the accident. Once the deductible is satisfied, benefits will be payable for usual, reasonable and customary charges for eligible medical expenses in excess of those paid by any other health care plan up to the maximum benefit amount and benefit period chosen.



Our experienced staff will assist you in determining the right solution for your campus.

Achieve Greatness!

The time is NOW for you to partner with the undisputed sports insurance leader.

The A-G Difference Maker!

Our proprietary, web-based claims management system streamlines the process and defines A-G’s dedication to the athlete. EGBAR stands for Efficiency Generating Business Automation Resource but it means everything’s going to be all right. Our Team is here to help you, and EGBAR helps us do that better than anyone else.

Meet EGBAR...