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GrouProtector Accident Medical
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​Auxiliary Police and Fire
Participant Accident

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Click on the link below to open our PDF application. It's easy to complete and return using the instructions on the application.

Auxiliary Policy and Fire Application


Auxiliary Police and Fire - Group Accident Medical

When you're out there helping others, sometimes accidents happen. That's why we offer GrouProtectorSM group accident medical
insurance - to give you peace of mind and help you keep the focus on the job at hand.

Our policy provides medical expense benefits as well as death and specific loss benefits to auxiliary and volunteer members. This means if the insured has medical expenses due to an accident, we will pay covered expenses up to benefit maximum.

Two types of plans help you choose the best coverage for your group:


Primary (first-to-pay) medical plan

-Ideal for groups with participants generally not covered by other insurance    
-Typically the first plan to pay claims after a covered event 
-Pays covered expenses regardless of other insurance coverage 
-Payments from other insurance coverage may be reduced in coordination with policy benefit limits 

Excess (next-to-pay) medical plan

-Ideal for groups with participants generally covered by other insurance    
-Typically the last plan to pay claims after a covered event 
-Will not pay covered expenses to the extent paid by other insurance coverage
-Essentially pays for other plans' deductibles and coinsurance
​-​Also pays remaining expenses after benefits are exhausted from other plans

Depending on coverage levels, availability of primary and excess plan can vary. Deductibles for excess coverage must be paid out-of-pocket and cannot be paid for by other insurance plans.

Covered members

100% of all auxiliary and volunteer members of your program are covered.          


Covered activities

-Duty while under the direction of your group                                                  
 - Duty while serving for a government entity as part of the group 
-Duty for a private unit that your group is serving 
-All group-sponsored and supervised activities 
​-Direct travel to and/or from these activities 


Benefit Amounts 
Medical expense benefits are flexible with choice of choice benefit maximums.​
-​No deductible
​-$25,000 to $50,000 medical expense maximum​ 
​-$5,000 to $25,000 accidental death and specific loss benefits​ 
Benefit limits may vary.