Accident & Health Insurance

Accident and Health (A&H) insurance is a suite of specialty products that can provide supplemental insurance or help to fill gaps in life, health and other insurance policies where the A&H policy can reimburse for expenses, medical bills and out-of-pocket costs.

Deep Expertise in the Accident & Health Market


Berkley’s deep Accident & Health insurance expertise, ability to tailor products, and outstanding claims service can help provide financial stability and security in event of a loss. We offer simple, affordable, and easy access to our industry-leading solutions, services, and personal support.

Check out our Berkley Locator to discover which Berkley insurance business may be right for your Accident & Health insurance needs.

We Can Help Protect You from the Unexpected

Accident & Health insurance can protect you and your family members from unexpected costs not covered by your existing insurance policies such as health insurance, workers compensation, and general liability. These unexpected costs could be medical bills, deductibles, co-pays, household expenses, and other out-of-pocket expenses. We offer a wide range of coverages to meet your individual or organizational needs, such as:




Accidental Death & Dismemberment – can pay a lump sum in case of accidental death, paralysis or accidental loss of limbs, vision or speech, to the beneficiary or the insured.

  • Critical Illness Insurance – can provide insureds with a financial benefit in the event that they are diagnosed with specific covered medical conditions.     

  • Extended Hospital Cash – can pay a daily benefit when insureds are unable to perform two or more Activities of Daily Living. 

  • Hospital Cash – can pay a daily benefit to employees/members and their families for periods of hospitalization of 3 days to 120 days due to sickness or injury, to cover some out-of-pocket expenses from hospitalization. 

Business Travel Accident Insurance – employer paid accident insurance that can pay benefits for an employee’s death or serious injury while traveling on company business. 


Individual Healthcare Occupational Accident Insurance – can provide medical benefits for healthcare workers who are injured on the job from accidental needlesticks, sharps injuries, blood or bodily fluid exposures, and felonious assaults.


Individual On-Demand Accident Insurance – can provide 24/7 coverage for out-of-pocket costs after an accident for adventure enthusiasts and their families.


Participant Accident Insurance – can cover participants on an activity-specific basis such as sports, camps, and more where benefits can be provided for Accidental Death & Dismemberment and Accident Medical Expenses.




Medical Stop Loss – can help protect employers with self-funded employee health plans from unexpected, catastrophic claims.  


Medical Stop Loss Group Captives – can protect self-funded health plans from unexpected, catastrophic claims for small to midsize employers by sharing the risk through captive program. 



Find your Berkley solution

Choose an industry and/or product to find the best Berkley solution for your needs. Or click Search to view all Berkley insurance providers.

What Our Customers Say

“I was very fortunate to have Preferred Employers Insurance take over my case. I was at a standstill until their team started handling my situation. The company is great at what they do and anyone else who has the pleasure of working with them will find out the same! Thanks again so very much!”

— Frank V.

Waste Water Operator, Planada Community Service District.

“Berkley One has been amazing!!! You have really gone above and beyond for us and made this very annoying accident as easy as possible.”

— Amy G.

Client in Illinois.

“I am incredibly pleased with the claim management, guidance, consult calls and quality of service we receive from Midwest Employers Casualty. The team is committed to prompt and efficient service - and is readily available for consult calls. The process is effortless, efficient, seamless and productive.”

— Tawanna B.

Senior Benefits Manager, Blue Cross Blue Shield of Michigan.

“Our Berkley Environmental Claims Adjustor has been incredibly responsive to us, and has clearly taken the time to research the particulars of this claim. She has contacted and spoken with our client, and has explained to him and to us what she has been able to determine from her thorough research of the information presented so far in this claim. I am thankful that we have a competent, professional, dedicated, and pleasant-to-work-with adjuster in our corner.”

— Mary F.

Business Manager, Tech Painting Co.