What Is Injury Insurance?
Injury insurance (often called accident insurance) provides financial support when an employee experiences a covered accidental injury.
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Unlike traditional health insurance, this coverage pays benefits directly to the insured — helping offset out-of-pocket costs such as:
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Emergency room visits
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Ambulance services
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X-rays and imaging
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Follow-up treatments
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Lost time from work
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It provides an additional layer of financial protection beyond major medical coverage.
How It Works
Step 1 – Consultation
We review your business structure and determine eligibility and setup requirements.
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Step 2 – Enrollment
We educate your employees and assist with enrollment — ensuring clarity and understanding.
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Step 3 – Payroll Integration
Deductions are implemented cleanly through payroll for ongoing simplicity.
The Fidelis Approach
We believe benefits should be:
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Clearly explained
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Professionally administered
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Easy for employers
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Valuable for employees
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Our team manages communication, enrollment, and support — so you’re not burdened with unnecessary administrative complexity.
Frequently Asked Questions
Is this required for employees?
No. Injury coverage is voluntary and optional.
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Does it replace health insurance?
No. It supplements existing health insurance by helping cover out-of-pocket costs.
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Does the employer pay for this coverage?
In most cases, the coverage is employee-paid through payroll deduction.
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How difficult is implementation?
We handle setup and enrollment to minimize disruption.