What Is Injury Insurance?
Injury insurance (often called accident insurance) provides financial support when an employee experiences a covered accidental injury.
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
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.
Step 2 – Enrollment
We educate your employees and assist with enrollment — ensuring clarity and understanding.
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
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.
Does it replace health insurance?
No. It supplements existing health insurance by helping cover out-of-pocket costs.
Does the employer pay for this coverage?
In most cases, the coverage is employee-paid through payroll deduction.
How difficult is implementation?
We handle setup and enrollment to minimize disruption.