UNSPSC 84131603: Accidental injury insurance

UNSPSC 84131603 Accidental injury insurance, a Commodity code, encompasses voluntary and mandatory accident coverage for students, athletes, and employees against injuries sustained during school, athletic, or work activities. State and local governments buy this code to protect student populations during athletic competition and general school activities, to provide catastrophic medical coverage above primary insurance limits, and to cover employee groups under voluntary accident programs. The issuing bodies include independent school districts, regional school districts, state universities and university systems, state agencies (transportation commissions), and workforce development boards. School districts dominate the recent solicitation volume, particularly for tiered student athletic and catastrophic accident insurance paired with zero-balance billing networks to eliminate family out-of-pocket costs. University systems procure supplemental accident coverage for student athletes, athletic training students, and student managers, while state transportation and workforce agencies solicit voluntary group accident plans for employees.

Recent activity spans multiple states and regions. Georgia appears most active, with the University System of Georgia, University of North Georgia, and Dalton State College all issuing solicitations in May and June 2026; Texas shows sustained activity (Texas A&M University System and Workforce Solutions Borderplex in April and May 2026); and Connecticut, Mississippi, and Colorado round out the geographic spread. Representative recent opportunities include Austin Independent School District's RFP 27RFP017 for comprehensive Student Athletic and Catastrophic Accident Insurance due August 4, 2026, requiring brokers and underwriters to deliver Tier I base supplemental coverage and Tier II excess medical protection with mandatory zero-balance billing; Dalton State College's eRFQ 56900ERFQ0017902026 under Georgia's eRFQ process due June 24, 2026, seeking secondary athletic insurance covering student athletes, trainers, coaches, and managers for practices, games, and authorized travel; and Union County Board of Education's sealed bid Ins-27-001 due June 11, 2026, for property, casualty, and workers' compensation coverage bundled with value-added risk management services. Texas A&M University System's RFP SBA-26-280 due May 4, 2026, sought claims administration and fully-insured group life and accidental death and dismemberment services covering 42,285 employees and retirees across 12 universities and related entities, with a three-year initial term commencing September 1, 2026. Amity Regional School District No. 5 in Connecticut issued RFP Amity 2026-3 due May 21, 2026, for five distinct student accident coverages (voluntary plans, interscholastic sports, catastrophic, and class trip insurance) serving approximately 2,205 students, with historical annual premiums ranging from $2,910 for voluntary coverage to $57,500 for sports lines.