A companion to commercial general liability policies that can cover participants, athletes, volunteers, performers, cast, crew and staff. This policy is usually required by insurance companies providing participant liability coverage. The theory is if an injured person has their medical expenses paid for an accident, they are less likely to file a claim under the participant liability policy.
Accident medical insures both medical expense in the event of an accident, but also includes accidental death benefits. Payments are made regardless of fault.
See Medical Payments for a similar coverage insuring spectators attending the event.« Back to Glossary Index