• Personal Accidents

    by Spheric Assurance 


Personal Accident Insurance for Every Lifestyle

Accidents are never planned or expected, they simply happen, and sometimes when you least expect them. Imagine a beautiful beach, the sun is out and you can feel the warm sand between your toes. In this state of mind, nothing can go wrong. As you enter the clear ocean, you take a few steps, you look up at the beautiful teal blue sky then suddenly you feel a sharp, prick, sting and then your whole leg is numb. Your exotic vacation has turned into a nightmare. You have been bitten by something that will leave you immobile for weeks, maybe months, and the only backup plan you have at the moment is selling your current assets, your boat, cars and possibly your child's savings fund. Luckily, this can all be avoided with Personal Accident Insurance from Spheric Assurance.

High-End Personal Accident Insurance Is a Must!

Some high-end clients are prone to these unfortunate events due to the nature of their lifestyle. Constant travel for work or pleasure is extremely enjoyable but at times comes with consequences that one should aim to preserve with the right coverage. Our goal at Spheric Assurance is to keep you and your loved ones free of risk and always in a state of financial security.

What is Personal Accident Insurance?

Although you can never be fully prepared for an accident that leaves you in a debilitating state, you can cushion the financial blow of an unexpected accident with Personal Accident Insurance.  Accidents impair your earning ability, which may leave you and your family in financial distress and overall despair. Personal Accident Insurance is the security you need to keep your family and business life stable meanwhile giving you the peace of mind to focus on what really matters.

Personal Accident insurance is coverage that pays proper compensation (a straightforward, full lump-sum) for you or your loved ones in the event of injuries, disability or death caused by a violent, accidental, external or visible event. Since the definitions violent, accidental, external or visible events vary from insurer to insurer, it is important to ask your Spheric Assurance agent what your Personal Accident Insurance plan covers.

This insurance plan is designed to pay out if you are severely injured or die in an accident. Personal Accident Insurance will pay out this lump sum to your family or listed beneficiaries if by tragic case you are injured in an accident and cannot return to work, or in the unfortunate and worse case, pass away.

Why Do I Need Personal Accident Insurance?

If you are already covered by life insurance and health insurance, personal injury insurance may seem a little excessive. However, if you are the sole or major money maker in your family and suffer an accident, Personal Accident Insurance could be the lifejacket your family needs to avoid financial consequences.

Think about this situation, you are severely injured in a car accident on your way to a company meeting. You cannot work for almost a year due to your injuries. Does your family have the money and recourses necessary to survive without your income for a year? Would you be comfortable leaving them in a situation where they are struggling for money and on top of everything need to take care of you and your medical bills, or even worse end up losing you completely? Personal Accident Insurance takes care of this risk and allows you to protect your loved ones in the aftermath of an unforeseen event.

Other Reasons You Should Consider Personal Accident Insurance:

  • Sudden accidental deaths allow less time for dependents to prepare financially. Personal Accident Insurance coverage can be the best and sometimes only way to provide additional financial assistance to your dependents in the event of your sudden or accidental death.
  • If you have a medical condition that makes it difficult for you to buy life insurance and you still want to be covered for accidental death or dismemberment.
  • If your lifestyle leaves you more susceptible to accidents such as engaging in risky activities like skydiving, scuba diving, or other extreme sports; or working with heavy machinery, even as a hobby.
  • An affordable accident insurance policy can help you pay for the expenses that are not fully covered by your major medical insurance.

Personal Accident Insurance Curated With Only You In Mind

Personal Accident Insurance can be designed to fit your specific requirements and lifestyle needs. Individual coverage is available for key persons, high net-worth individuals, high-earners, professional and amateur athletes, entertainment professionals and declined high payment cases. At Spheric Assurance, we work hard to get to know you, in order to have the knowledge to build you the Personal Accident Insurance Policy that is best for you. Every one of our policies pays out in one large lump-sum, so you can get on with your life after an unforeseen.

Spheric Assurance has the capacity to insure up to US$1,000,000.00 of
currency equivalent any one original insured person. The
capacity is 100% reinsured by Liberty Syndicate 4472 at
Lloyd’s, Best Rating of “A”.

For more information click here.

For a Quote on Premier Personal Accident Insurance, Call Spheric Assurance Company

Spheric Assurance has been providing quality insurance products to our clients in the United States and Latin America for over 10 years. We provide a customer-focused approach catered specifically to your lifestyle and needs. If you have any questions about Personal Accident Insurance, feel free to give us a call.

Spheric Assurance will walk you through every step of the insurance acquisition process, from buying a perfectly tailored plan to making and filing a claim. We will get your personal accident lump-sum payout as quickly as possible. Our team wants to be your household name for quality high-end insurance. To set up an appointment and begin a friendship with one of our  experienced niche insurance agents call, email or come see us in person today! If you would simply like a quote on premier PErsonal Accident Insurance we'd be happy to guide you. You may reach Spheric Assurance at (210) 499-0700. We would love to start building a meaningful, trustworthy relationship with you. At Spheric Assurance, our calling is keeping you free of anxiety and making worrying about your risk a thing of the past.