RPS Signature Programs' PreK-12 Student and Athletic Accident Insurance Program and College Student Accident and Intercollegiate Sports Program come into play when schools are looking to insure students of all ages, from Preschool through college, for school and athletic activities.

As program administrator for a number of carriers, RPS Signature Programs handles all aspects of Student Accident plan administration from implementing plan improvements, negotiating with the carriers on new and renewal business and adjudicating claims. A dedicated claims staff assures the highest level of personal service.

Student Accident Insurance Programs and Coverages

Student Accident programs available:

  • PreK-12 student and athletic accident insurance program
  • College student accident and intercollegiate sports program

Student Accident insurance coverages available:

  • Excess/secondary student accident insurance coverage
  • Deductible and coinsurance options and sub-limits can be added on certain internal benefits, such as physical therapy, orthopedic devices, etc.

Most policies are written on an excess basis, with limits typically ranging from $25,000 to $5,000,000 for PreK-12 schools and $25,000 to $90,000 for colleges and universities.

Excess/Secondary student accident insurance coverage is designed to supplement and coordinate with existing primary medical policies; however, if no primary plan is in place, this policy will act as primary coverage within the terms of the accident policy.

There are different plan designs available for both the PreK-12 and College programs with deductible and coinsurance options and sub-limits that can be added on certain internal benefits, such as physical therapy, orthopedic devices, etc.

Student Accident Insurance Designed for Schools

  • K-12 public school districts (including preschool)
  • Private and charter schools
  • Individual parochial schools
  • Nursery schools
  • Daycare centers
  • Dioceses
  • Colleges and universities

How the Student Accident Program Can Help Your Clients

RPS Signature Programs' team of industry experts can take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks. We have been proudly administering Student Accident insurance for over 70 years and have become known as a leader in the industry with experience protecting over 36 million students since 1946.

Key Student Accident Insurance Program Features

  • Carrier Relationships
    We have built strong relationships with several carrier partners. As a result, we are able to provide numerous market options, which will allow you to select a program that works best both in terms of cost and plan design.
  • Service
    Relationships are the lifeline of our business; by not outsourcing our services, we make sure our clients receive the attention that they deserve. Our experienced team of in-house claim professionals, account managers, program administrators and underwriters are dedicated to providing you with the best possible service.
  • No Outsourcing of Claims
    Our claims are administered in-house to ensure a level of exceptional service. We do not outsource. There is only one place to go to have all your questions answered.
  • Enhanced Claim Reporting Capabilities
    We provide our clients with monthly, bimonthly or quarterly reports. Our enhanced claim reporting capabilities serve as a great tool to assist in risk management and cost-containment efforts.
  • Online Access to Student Accident Claim Status
    Parents can easily and conveniently check the status of their child's claim from any computer or tablet, offering more control for the parents while reducing the volume of claim inquiries to district administrators.

Meet Our Student Accident Insurance Team

Related Industries, Products and Programs


School Insurance

Custom school insurance programs for community colleges, vocational, technical, public, private, K-12 and special needs schools.


Public & Private Charter Schools Insurance

Public and private charter school insurance program designed to address the growing market and exposure associated with charter schools.