You might have noticed accident insurance among the supplemental benefits provided by your employer. But you may wonder: who needs it? You already have an excellent health insurance policy, but the future is unpredictable. You never know when you may end up with more expenses than what your health policy can cover. Check out these groups of people who should consider accident insurance.
In our car-centric culture, driving is the most hazardous thing we do regularly. Every year, millions of Americans sustain injuries in car accidents. If you don’t work from home or have convenient public transportation access, you may commute to work by car. This indicates that you can end up in an accident almost daily- and it’s usually never your fault.
Physical activity is one of the best things you can do for your overall well-being. But if you are not cautious or if you are unlucky – it could backfire. In addition, countless Americans end up in a hospital yearly from an injury sustained from playing sports. Among the group of people who should get accident insurance are athletes. An athlete is broadly defined as those who routinely engage in physical activity, such as backpacking, jogging, or even hunting.
Some of us are fortunate enough to bounce back to our jobs even after sustaining a physical injury. This is particularly true since our culture shifts to emphasize telework. However, many of us are not lucky, and an injury that compromises our mobility can put us out of a job. When people think of accidents, the first expense they consider is usually medical costs. However, lost wages can often be expensive; accident insurance can help cover these costs.
Like any other benefit, it’s ultimately up to you to determine if you are someone who should obtain casualty insurance. Most Americans often fall into at least one of the categories we’ve listed above. However, most employers will only sometimes provide accident insurance to their employees. If possible, you can take advantage of getting accident insurance.
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Malden Solutions has a wealth of expertise in providing employer insurance solutions, HR solutions, and individual insurance solutions to businesses both big and small. Our team of seasoned professionals can help you navigate the rapidly-changing world of insurance with ease. We partner with businesses and individuals throughout the country to provide our dedicated services for employee benefits but also work within our surrounding communities in Maryland, Northern Virginia, and Washington, D.C. Contact us today to learn more about how we can provide effective, dynamic solutions for your business. Stay connected with us on Twitter, Facebook, and Linkedin.