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The Added Protection You Need On and Off Duty.

24-Hour Accidental Death & Dismemberment Insurance

In the United States, accidents are the number-one cause of death among people under the age of 44, and the fourth-leading cause of death overall according to the National Vital Statistics Report published by the Centers for Disease Control and Prevention in 2014. 24-Hour Accidental Death & Dismemberment (24-Hour AD&D) Insurance offered by Provident can help provide added protection for paid and volunteer firefighters and emergency responders.

This 24-Hour AD&D program offers coverage to all eligible members and employees while they are at work and when they are off-duty. Members are covered 24 hours a day anywhere in the world (subject to the policy limitations and exclusions), and this includes riding as a passenger in an aircraft being used for transporting passengers.

24-Hour AD&D Insurance Highlights

  • Coverage is available up to $500,000
  • Accidental Death & Dismemberment Benefits
  • Accidental Severe Burn & Disfigurement Benefit
  • Coma & Paralysis Benefits
  • Hepatitis Occupational or Assigned Duties Accident Benefit
  • Seatbelt & Airbag Benefits
  • Line-of-Duty Occupational Coverage – if purchased, pays 100% of the Principal Sum for loss of life; up to a $50,000 maximum benefit

Additional Benefits available include:

  • Bereavement & Trauma Counseling Benefit
  • Felonious Assault & Violent Crime Benefit
  • Home Alteration & Vehicle Modification Benefit
  • Medical Evacuation Benefit
  • Prostheses Appliance Benefit
  • Rehabilitation Benefit
  • Repatriation Benefit

*Non-insurance Travel Assistance Services such as:

  • Access to 24/7 Security Assistance Center
  • Cash Advances
  • Emergency Travel Arrangements
  • Translation Services

Request A Quote

In order for us to provide a quote for our 24-Hour Accidental Death & Dismemberment Insurance, we need to gather basic information that includes such things as: how many members and employees the career, combination, or volunteer fire department or emergency services organization would like to cover as well as requested benefit limits.

Download our questionnaire (PDF) to get a free no-obligation quote. Please complete this form online and send via email to

Additional Products

In addition to 24-Hour Accidental Death & Dismemberment Insurance, please read more about the other insurance products we offer for volunteer firefighters and first responders:

Contact our office to learn more about the insurance coverage available in your area. 

The Accident & Health insurance coverage is underwritten by AXIS Insurance Company under policy form series number BACC-001-0909.
Coverage is subject to exclusions and limitations and may not be available in all US states and jurisdictions. Product availability and plan design features, including eligibility requirements, descriptions of benefits, exclusions or limitations may vary depending on local country or US state laws.
The amount of benefits provided depends upon the plan selected and the premium will vary with the amount of the benefits selected. These policies are administered by Provident Agency, Inc. and in California, Provident of Pennsylvania Insurance Agency of Pittsburgh, PA.
*Disclaimer: The services listed are not insurance and do not provide coverage, they only provide discount and services. These services are not affiliated with AXIS Insurance Company.