Because not all your clients have jobs that are safe & sound.

AD&D / Personal Accident

Available on a group or individual basis, Accidental Death & Dismemberment coverage from Sutton Special Risk offers high limits of worldwide protection, 24-hours, year round. Our extensive benefit plans are competitively designed and priced. Plans can be designed to fit the specific requirements of each client. Group clients include employer and affinity groups, associations, expatriates, students, sports teams, and volunteers. Individual coverage is available for key persons, high net worth/high earners, professional and amateur athletes, entertainment professionals, and declined life cases. Principal coverage is a lump sum benefit for accidental death, loss of limbs, paralysis and/or loss of use of limbs, eyesight, hearing, speech.

Our plans:

  • Group Basic and Voluntary AD&D

  • Business Travel Accident

  • Occupational AD&D

  • Non-Occupational AD&D

  • Student Accident

  • Annual, short-term, and multi-year AD&D policies are available

Sutton provides coverage for Special Hazards such as:

  • War and Terrorism Risk

  • Owned or Leased Aircraft

  • Non-Scheduled Aircraft Exposure

  • Pilot and Crew Cover

  • Other Hazardous Activities/Hobbies

  • Known Accumulations

Ancillary benefits are available as follows:

  • Seat Belt Rider

  • Brain Death

  • Coma

  • Hospital Confinement

  • Repatriation

  • Identification

  • Rehabilitation

  • Surgical Reattachment

  • Funeral Expense

  • Family Transportation

  • Bereavement Counseling

  • Psychological Therapy

  • Vehicle Modification

  • Home Alteration

  • Workplace Accommodation and Alteration

  • Special Education

  • Spousal Retraining

  • Day Care

  • Parental Care

  • Permanent Total Disability

  • Weekly Accident Indemnity – total and partial disability

  • Accidental Medical

  • Accidental Dental

  • Emergency Evacuation

  • Travel Benefits

    • Baggage

    • Trip Cancellation/Interruption/Delay

    • Personal Property

    • Lost Travel Documents

    • Seat Bumping

  • HIV

  • Burn

  • Fracture

  • Critical Illness

  • Prosthetics

  • Felonious Assault

  • Child Benefits

  • Conversion

  • Continuation of Coverage

  • Waiver of Premium

  • Common Disaster (for Voluntary plans)

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