Domestic Student Accident Insurance

Domestic Student Accident Insurance
Domestic Student Accident Insurance

Domestic Student Accident Insurance

Give your families the comprehensive protection they deserve. 

Whether a student suffers a minor sprain or a serious injury, Domestic Student Accident Insurance from ISM provides an essential layer of protection for school-related injuries and support for your students and families. Respond with confidence when the unexpected occurs.

Even if parents have health insurance, if their child requires medical attention for an injury, they are responsible for copays, deductibles, and other uncovered expenses student accident insurance can help cover. And for families without health insurance coverage, student accident insurance provides primary coverage.


Does your school have a summer program or camp? Ask about our Summer School/Camp Student Accident insurance, which covers PK–12 students attending a summer program or camp sponsored by or affiliated with your school.

Students are covered …

Responsive image when participating in or attending all school-sponsored activities, including interscholastic, intramural, and club sports, as well as field trips;

Responsive image while traveling to and from any school-sponsored activity, including travel in a school-authorized vehicle; and

Responsive image while on school premises (24/7 coverage for boarding students).

In addition, our policy includes accidental death, dismemberment, and loss of sight benefits; up to $1 million in coverage per injury; and an optional $0 deductible.

Coverage is not available in all states. Coverage varies in states available. 
Domestic Student Accident Insurance

Why Choose ISM

Insurance from ISM provides exceptional insurance offerings that complement the cultures and budgets of private-independent schools. Our mission is to serve schools like yours, as you serve students.

Students Supported 

350,000+ Students Supported


46+ Years Supporting Schools, Students, and Agents/Brokers

Professional Team 

One Dedicated Team That Will Be Here For You Every Step of the Way

Domestic Student Accident Insurance

Respond with confidence when unexpected injuries occur.

Trips and falls can happen anywhere, but they are especially common on school grounds. Consider this scenario. 

One day, a student trips over a backpack in the hall and breaks their wrist. This accident results in a costly emergency room visit, X-rays, and follow-up doctor visits. The student’s family has health insurance, but they’re still responsible for out-of-pocket medical expenses. 

Luckily, you have ISM’s Domestic Student Accident Insurance to help your students and families cover unexpected copays, deductibles, and unpaid charges.

After all:

Responsive image Over the past 10 years, over 175,000 K–12 school injuries resulted in a visit to a hospital emergency department.

Responsive image High school athletes suffer two million injuries, and require 500,00 doctor visits and 30,000 hospitalizations each year.

Schools of all sizes choose to add an extra layer of protection for their students with ISM’s Domestic Student Accident Insurance. We’ve helped hundreds of schools navigate acquiring student accident insurance and we can help you, too.