Accident Medical Expense

AD&D (Accidental Death and Dismemberment) and AME (Accident Medical Expense) Insurance provide coverage for medical expenses resulting from an accident, regardless of fault. This coverage helps protect event organizers by reducing the risk of costly lawsuits. AD&D/AME Insurance can be purchased with Event Liability Coverage.

Laurie T., a festival attendee, tripped on uneven ground and broke her ankle. Her out-of-pocket medical expenses totaled $4,000. Luckily, the festival had AD&D/AME coverage. The insurance paid Laurie’s medical bills directly—no questions asked about fault. Because the festival carried this protection, they avoided a costly lawsuit, and Laurie can’t wait to attend the event again next year!