Colleges & Universities

Intercollegiate, Club and Intramural Sports Accident Insurance

Intercollegiate Sports Insurance (ICS – Secondary/Excess Coverage) has been a core product at BMI for many decades. We have placed and administered college sports accident insurance for hundreds of institutions across the country, and our excellence in administration and claims servicing has made us a leader in the field. Whether you are an NCAA, NAIA, NJCAA, NCCAA, or USCAA institution, or an independent institution, we have the expertise and experience to tailor the right insurance program for your needs, making sure to satisfy all requirements of your specific athletic association. Exposures for club and intramural programs can be included as a separate class within an ICS policy, or a separate policy can be written to insure your club and intramural programs.

  • Fully Insured and Self-Insured Programs
  • High and Low Deductible Plan Options
  • Deductible Administration Services
  • Access to 8+ ‘A’ rated insurance carriers
  • Specific benefits for sports exposure including HMO/PPO Benefit, Heart & Circulatory Benefit, Pre-Existing Condition Benefit and Expanded Medical Benefit.
  • Accidental Death & Dismemberment Benefit
  • Guest & Recruit Coverage
  • 52-week, 104-week and 156-Benefit Period – Longer Options Available Upon Request

Catastrophic Sports Accident Insurance

Specific athletic associations provide this important coverage to their member schools, while others simply recommend that their members purchase their own coverage. If you are a school that is not part of the NCAA or NAIA or NCCAA you should consider purchasing catastrophic sports accident insurance. This coverage will increase your limits to levels as high as $5,000,000 per injury/accident, with up to a 10 year or Lifetime Benefit Period, and the option for Catastrophic Cash Benefits as high as $1,000,000. The cost of this coverage is typically nominal and very affordable, compared to the high levels of coverage obtained. Although you hope to never to use this insurance, it will benefit the institution and your injured athlete on many levels in the event of a catastrophic-type accident.

Regardless of athletic association affiliation, you should also consider providing catastrophic coverage for your club and intramural sports programs, as well as specifics sports and exposures that your association’s Catastrophic plan does not cover. These programs are often overlooked from an insurance standpoint by institutions, but when you consider the programs offered at schools, such as club rugby, lacrosse, soccer or hockey, you have very high-risk exposures on campus that should be addressed.

Mandatory Student Accident Insurance

An innovative approach to containing the rising cost of insurance premiums for colleges & universities while providing a tangible benefit to all students is the implementation of a Mandatory Student Accident (MSA) plan.

A MSA plan will provide valuable protection to all students, while also saving the college or university a significant amount of money by greatly reducing the Intercollegiate Sports Accident Insurance (ICS) policy’s paid claims. As we are all aware, nationally there is still an underinsured and uninsured group within the student population. Even students with health insurance are facing an increasing amount of out of pocket responsibility, resulting from higher deductibles, copays and coinsurances. MSA plans provide vital accident coverage for students without health insurance, while filling in the gaps for those with health insurance.

MSA plans benefit all students, not just athletes, while also protecting the school. These plans afford the school peace of mind knowing there is a layer of coverage in place for everyone, and this acts as a first line of defense of claims to the GL policy.

Coverage Extends To:

  • General Campus Accidents, Slips and Falls
  • Club & Intramural Sports
  • Campus Clubs
  • Intercollegiate Sports
  • Co-Ops, Internships & Externships
  • Campus Events & Activities
  • Travel To & From Campus
  • All student exposures away from campus if 24/7/365 option is chosen

Primary Accident Plan/Uninsured Athlete Plan

The BMI Team understands the ever-changing health insurance landscape, and the impacts these changes are having on an institution’s claim experience. An innovative primary accident insurance plan for Collegiate Uninsured & Underinsured Athletes from BMI could be your solution to reducing accident medical insurance premiums for your ICS program. This plan will cover all uninsured athletes (including international student-athletes) for accidental injuries, 24/7.

International Student Health Insurance

International students often carry travel insurance or health coverage from their home country, which does not properly insure the student within the U.S, or more specifically while participating in College athletics. BMI can provide you with a health insurance plan for your international students and/or student-athletes that specifically provides benefits for intercollegiate sports related injuries. This coverage can be procured and paid for by the institution, or individual enrollment and payment can be done by students.

High-Limit Accidental Death & Dismemberment

Collegiate Athletic Departments should consider this coverage to not only increase AD&D limits on their traditional sports accident insurance for their athletes, but broaden the coverage for coaches, staff, administration and others involved in the athletic department such as donors and guests. We can obtain limits as high as $250,000 per covered person.

Academic & Sport Camp, Clinic & Special Event Coverage

Participant Accident Insurance and General Liability Coverage for your camps and clinics as well as any special events you run, are essential coverages for the protection of your group or organization.

Insurance is Available for:

  • Sports Camps & Clinics
  • Academic Camps
  • Special Events
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