Protecting Athletes

College Athlete Injury Coverage

A-G Administrators is the industry leader in offering competitive college athlete injury insurance designed to keep athletes competing.

Secondary (Excess Accident) Injury Insurance

The NCAA, NAIA and NJCAA require schools to ensure that student-athletes do not have a gap in coverage up to the associations’ catastrophic insurance deductible, and many colleges and universities choose to insure their club and intramural sports as well.

Most schools purchase a blanket excess accident insurance policy in order to comply with the association mandate. Intercollegiate sports accident (injury) coverage needs vary from school to school based on association membership and state regulatory mandates. A-G Administrators’ programs are highly adaptable and can be customized to meet any school’s need.

Plan features may include:
  • Ensuring student-athletes have no gap in coverage, benefits up to $25,000 (NAIA/NJCAA) or $90,000 (NCAA) to coincide with association’s catastrophic insurance plan deductible.
  • Fully insured, per claim and aggregate deductible options
  • One, Two or Three year (and beyond) benefit periods available
  • Expanded coverage for overuse, repetitive stress and overexertion injuries
  • Expanded coverage for heart & circulatory issues
  • Coverage for pre-existing conditions
  • Extended coverage for expenses denied by HMOs/PPOs
  • Guest/Recruit coverage (including official visits and try-outs)
  • Accidental death & dismemberment benefits

Catastrophic Injury Insurance

Catastrophic injury insurance is provided to NCAA, NAIA and NJCAA member schools for student-athletes, student athletic trainers, student managers and cheerleaders for participation in officially sanctioned athletically-related activity.

As part of A-G Administrators’ standard of service, we work with our NCAA, NAIA and NJCAA partners to coordinate reporting of catastrophic claims to the appropriate organizations and help to facilitate claims. Some of our partners choose to carry additional catastrophic injury insurance. For example, if a school’s cheerleaders participate in non-association sponsored events (camps, clinics, national championships) you may want to consider additional catastrophic injury insurance.

The NCAA catastrophic insurance plan carries a $90,000 deductible while the NAIA and NJCAA plans have a $25,000 deductible. These plans carry lifetime benefits.

Catastrophic coverage for interscholastic and non-NJCAA 2-year colleges and preparatory institutions is highly encouraged and can be customized to fit your needs.

Plan benefits can include:
  • Available 5-year, 10-year or Lifetime benefit options
  • Catastrophic maximums from $1,000,000 to $10,000,000
  • Flexible deductible options
  • Specific benefits can include:
    – College education
    – Home adaptation remodeling
    – Vehicle adaptation
  • Benefits for total disability and partial disability can be included

Cash benefits for catastrophic injuries that pay for loss of income, ongoing medical care and family expenses can be included.

Participant Injury Insurance

Minimize or eliminate out-of-pocket expenses that participants incur due to injuries that occur in officially-sponsored activities that your organization hosts.

This coverage protects your organization from undue liability. Since injury coverage needs vary, our programs can be tailored to meet your needs and are highly adaptable.

Plan features may include:
  • Flexible benefits to meet group needs
  • Fully insured, per claim and aggregate deductible options
  • One, two or three year benefit periods
  • Extended coverage for expenses denied by HMOs/PPOs
  • Coverage for travel to and from officially-sanctioned events
  • Accidental death & dismemberment benefits

Our experienced staff will assist you in determining the right solution for your campus.

Without a doubt, I can tell you that A-G Administrators is awesome! The staff at A-G is professional and courteous, focused on facilitating the care the athletes need, and they do it in a manner that saves their schools and organizations money…all while making the collection process easy for my staff. What else can I say — they get it and they are great!

Dr. William C. Meyers

Core Muscle Injury Surgeon

Founder, The Vincera Institute

A-G Administrators, A-G for ‘Always Game’. The team led by Dixon and Jake, are always game for a challenge, always game for performance at the highest level, and most importantly based on my experience and one who considers A-G a trusted partner of the University of Pennsylvania, always game for positive results and outcomes. A-G Administrators focus is client centric.

Benjamin Evans

Associate Vice President- Office of Risk Management and Insurance

The University of Pennsylvania

The PSBA Insurance Trust is proud to partner with A-G Administrators for the Student and Volunteer Accident programs made available to the PSBA membership. Out of this partnership, we are confident that our member school entities are receiving the highest level of service and support. A-G’s collaborative approach, their dedication to Pennsylvania’s public schools and their expertise make this an easy choice as a partner and the best choice for our members.

Kelsey Carbaugh

Marketing Manager

PSBA Insurance Trust

For the past ten years, I have had the pleasure of working closely with A-G Administrators as they provide stellar service for the District’s student sports insurance needs.They understand the value of providing outstanding products that are competitively priced, benefiting a school budget that relies heavily on local funds. As a local, multi-generation family business, they have consistently provided reliable and committed service while working with our families to deliver the best possible outcome in their time of need.

Arthur J. McDonnell

Business Manager

Tredyffrin Easttown School District

Achieve Greatness!

The time is NOW for you to partner with the undisputed sports insurance leader.

See how one school district reduced its student accident insurance premiums by 25%

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A-G has the experience to offer the best custom coverage for every program and the best customer service to ensure a worry-free process for every claim. The nation’s most competitive K-12, collegiate and youth programs Achieve Greatness with A-G!

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