Accident & health
Accident & Health Reinsurance Solutions
At Total Risk Managers, we understand that the workforce is not only an organization’s most valuable asset but also its most vulnerable. With unexpected events such as workplace accidents, sudden health crises, or unforeseen personal injuries, employers and insurers must provide robust protection. Our Accident & Health Reinsurance Solutions help insurers and brokers meet these demands with confidence, offering tailored and comprehensive coverage designed to safeguard individuals and businesses alike.
Supporting Insurers with Diverse and Comprehensive Solutions
Our Accident & Health reinsurance programs are designed to support a wide array of coverage needs, enabling insurers to provide flexible, reliable, and scalable solutions for businesses of all sizes and industries. Whether protecting a small workforce or providing benefits for a global team, Total Risk Managers helps insurers manage risks efficiently.
Key Coverage Areas
- Personal Accident Reinsurance: Protection against accidental death, permanent disability, and temporary disablement. Ideal for individual policies, group coverages, and specialized workforce risks.
- Group Health Plans: Supporting insurers in offering comprehensive health coverage for employees, including medical expenses, hospitalization, critical illness, and wellness programs.
- Travel Accident Insurance: Coverage for employees traveling domestically or internationally, including accidents, medical emergencies, and evacuation.
- Sports and High-Risk Occupations: Customized solutions for athletes, performers, and employees in high-risk industries such as construction, mining, and aviation.
- Catastrophic Coverage: Safeguarding businesses against large-scale claims from events like natural disasters, pandemics, or workplace incidents affecting multiple employees.
Adding Value for Insurers and Their Clients
- Offer businesses a strategic advantage with comprehensive accident and health solutions.
- Enhance workforce well-being and morale by ensuring employees feel protected and supported.
- Support employers in attracting and retaining top talent with superior benefits packages.
- Mitigate financial risks for businesses and organizations in the event of unforeseen incidents.
Why work with us
Global Reach
Industry Expertise
Customized Solutions
Proactive Risk Management
Adding Value Beyond Protection
Providing superior accident and health protection is more than just fulfilling obligations—it’s a strategic advantage. Insurers partnering with Total Risk Managers can offer businesses the ability to enhance employee well-being, attract top talent, and boost workforce morale with confidence.