The Accident Elite policy will provide specific coverage for accidents that the insured person suffers in the course of the insured's activities while at work or at home.  The accident coverage offered under Accident Elite is on or off the job.

 

We define an accident as a Covered Accident where the insured person has suffered accidental bodily injury which:

1. Is sustained on or after the effective date of coverage; and
    

2. ​Is the direct cause of the loss independent of sickness, disease, bodily infirmity, or any other cause; and
    

3. ​Occurs while the policy is in force; and
    

4. ​Is not excluded by name or specific description in this policy.

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All injuries sustained in any one accident and all complications and recurrence of complications are considered to be a single "covered accident".