Financial protection for the unexpected

If there is one thing that is for certain, it is that there are no certainties. Life happens and often, you can’t predict it. Wellfleet Workplace’s Police Accident Insurance1,2 is designed specifically for law enforcement, and pays benefits for injuries and expenses associated with a covered accident. Whether it’s a cut, broken bone, concussion or something even more serious, our product provides an added layer of financial support when facing the unexpected.

Coverage you can count on

After an accident, it doesn’t take long for out-of-pocket medical expenses to pile up. Our Police Accident Insurance was specifically designed to provide law enforcement with an extra layer of financial protection following a covered accident. The benefit is paid directly to you and can be used any way you like, from covering medical bills to rent or child care expenses—it’s completely your choice.

Coverage highlights

  • 24-hour coverage
  • Select the coverage level that fits your needs & budget
  • Choose to add additional benefits, like our Wellness and/or Total Disability benefits
  • Affordable rates, not based on age
  • Use your benefits any way you like

Covered accidental injuries include

  • Fractures
  • Dislocations
  • Gunshot wounds
  • Knife wounds
  • Hospital stays from accidents, up to 180 days
  • More!

This content is meant to highlight some, but not all, of the plan features Wellfleet provides. For complete details, contact your plan sponsor. Exclusions and limitations apply.

Fill gaps in your medical coverage

Maybe you’re wondering how Police Accident Insurance is different from health insurance. Good question! Let’s break it down with a quick definition of each and an example.

Health insurance covers certain medical expenses and pays your provider directly but may leave you responsible for some out-of-pocket costs. The amount paid depends on your coverage, the type of care and whether you’ve hit your out-of-pocket maximum.

Police Accident Insurance is supplemental coverage designed specifically for law enforcement and their families, which can complement your health insurance by paying benefits for covered accidents and related expenses. The benefit you receive is based on the covered accident, is paid directly to you and can be used however you like, such as toward out-of-pocket medical expenses.

Let’s say you carry both health insurance and Police Accident Insurance, and you go to the ER with a knife wound.

Your health insurance will pay the treating providers for some or all your medical expenses. You may be responsible for deductibles, co-pays and other out-of-pocket fees.

Your Police Accident Insurance will pay you directly for your knife wound and any applicable treatments, such as an ambulance ride or hospitalization.

The money you receive from your Police Accident Insurance can be used any way you choose. You could put it toward uncovered medical expenses, like co-pays, or you could use it to cover your mortgage or daycare expenses.

Did you know?

More than 1/3

For law enforcement, 36% of on-duty injuries are caused by assaults & violent acts.3

3x higher

Law enforcement officers are treated in the ER for non-fatal injuries at a rate 3x higher than all other U.S. workers. 3


of adults had to pay a major unexpected out-of-pocket medical expense in the prior year.4

Get in touch

At Wellfleet Workplace, we’re committed to delivering innovative, customized benefits, including unique industry solutions, like our Police coverages. Whether you’re a police officer exploring coverage available through your employer or association, a union leader in search of ways to enhance your current benefits offerings, or an advisor interested in selling innovative and high-quality police benefits solutions, we want to hear from you.

1 Police Limited Duty Insurance is only currently available in: AL, AZ, GA, HI, NE, NV, OK and TX. Police Accident Insurance is only currently available in: AL, AZ, FL, GA, HI, NE, NV, OK and TX | 2 Police Accident Insurance must be offered with our Police Officer Duty Limitation Insurance. Talk to your Wellfleet Workplace Representative for additional details. | 3 Bureau of Labor Statistics. (April 2020). “Injuries, Illnesses, and Fatalities > Fact Sheet > Police Officers 2018.” | 4 Federal Reserve. (May 2017. Report on the Economic Well-Being of U.S. Households in 2016.

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Wellfleet is the marketing name used to refer to the insurance and administrative operations of Wellfleet Insurance Company, Wellfleet New York Insurance Company, and Wellfleet Group, LLC. All insurance products are administered or managed by Wellfleet Group, LLC. Product availability is based upon business and/or regulatory approval and may differ among companies.