Protecting employees when the unexpected happens.
Group accident insurance customized to your employees' needs.
Employers today are always looking for ways to strengthen their benefits offerings and support their workforce. Plans such as group accident insurance are a simple way to add meaningful value to a benefits package. Whether the coverage is employer-paid or voluntary for employees, it provides an extra layer of financial support if an accident occurs.
Group Accident Insurance for South Carolina Businesses
Protect your people. Protect your business. C.T. Lowndes & Co can help you get a Group Accident Insurance quote today so you have coverage that supports your employees when life takes a hard turn.
What is Group Accident Insurance?
Group accident insurance is a supplemental plan that offers a cash benefit to help cover out of pocket costs that follow a covered accident.
Even with health insurance, major medical insurance, or minimum essential coverage, employees often face medical bills, deductibles, co-pays, and additional costs after accidental injuries.
A group accident insurance policy fills those gaps. It provides a lump sum cash benefit or lump sum payment that is paid directly to the covered person or directly to the insured, not to doctors or hospitals.
The employee can use the money for medical expenses, lost income, transportation costs, child care, pet boarding, or any other financial obligations created by a covered accidental injury.
These accident insurance plans are offered by a life insurance company or insurance company, and benefit amounts may vary by state.
Most policies give limited benefits for covered injuries, hospital stays, hospital admission, or hospital confinement, along with additional services spelled out in the plan’s policy forms.
Group accident insurance is not medical insurance. It does not replace health insurance. It simply adds financial support when an accident happens.
Who Needs It?
Any employer who wants a stronger employee benefits package should offer group accident insurance. It supports employees’ financial wellness and strengthens retention. This type of insurance matters most for:
- Businesses with active, hands-on employees where accidents and common injuries are more likely.
- Companies that want to help cover additional costs after a covered injury.
- Employers who want to offer accident insurance to reduce financial stress for their team.
- Employers who understand that workers should not be solely responsible for every unexpected expense.
From offices to retail shops to contracting crews, any employee can face an accidental injury that leads to expenses their health plan does not fully cover.
Having a group accident option gives them confidence and stability.
What Does It Cover?
Each accident insurance policy has its own product features, and complete details and limitations or exclusions may vary by state, but most plans cover accidental injuries such as:
- Fractures
- Burns
- Dislocations
- Cuts and lacerations
- Concussions
- Accidental death
- Heart attack or other emergencies related to an accident
This type of accident insurance coverage typically helps with:
- Medical treatment after a covered injury
- Hospital and emergency room expenses
- Transportation during recovery
- Wage protection for lost income
- A lump sum or lump sum cash benefit after a covered accidental injury
Most plans also include covered benefits for follow up visits, therapy, and recovery support. Some insurance policies even add provisions for pet boarding or child care, depending on the plan and benefit amounts.
The money can be used for anything. That flexibility matters because every insured person faces different needs after an accident.
Why Work With C.T. Lowndes & Co?
As a trusted independent insurance agency in South Carolina, C.T. Lowndes & Co brings experience, personal guidance, and thoughtful recommendations.
We help employers compare accident insurance options, understand limitations, and choose plans that make sense for their team.
Get a Group Accident Insurance Quote
For more than 175 years, C.T. Lowndes & Co has helped South Carolina businesses cover their operations with strong benefits packages.
Considering adding group accident insurance coverage to your suite of employee benefits? Contact us today to find out more. Please contact Ian Philpot by phone at or email at .
Get Started Today
As an independent agency, we are here to help you find the right Group Accident Insurance coverage.
Get a Quote
Group Accident Insurance Quote Request
As an independent agency, we are here to help you find the right coverage.
Get a Quote
It only takes a minute to get started.
- Fill out the form, we’ll be in touch.
- Review options with an agent.
- Get the coverage you need.
