Accident Insurance
Analyzing accident risks. Developing insurance solutions. Protecting people and organizations.
Risk Management
Accidents in the workplace or in private life can result not only in physical injuries but also in financial burdens. Companies, social institutions, freelancers, and private individuals need comprehensive protection to ensure that the consequences of accidents are manageable and affordable.
exxis develops comprehensive accident insurance solutions—from the initial product concept through policy design, premium calculation, and underwriting criteria to successful market launch.
Our solutions combine underwriting expertise, claims handling experience, and market knowledge to create sustainable and marketable solutions.
Our accident insurance solutions enable brokers to offer their clients differentiated and high-performance products—and allow insurers to underwrite accident risks in a way that is predictable, manageable, and financially profitable.
Product Development & Design
exxis designs comprehensive accident insurance products, including:
- Definition of coverage scope, insurance amounts, and sublimits
- Design of disability and death benefits
- Development of premium models and rate logic
- Preparation of underwriting guidelines and risk criteria
- Segmentation by occupational groups, industries, and risk profiles
Placement & Market Access
We design and implement targeted accident prevention programs:
- Access to national and international insurers
- Placement of individual risks and excess solutions
- Structuring of quota share, consortium, and layer models
Underwriting & Claims Assessment
The close integration of product development, underwriting, and claims management ensures practical, financially sound accident insurance solutions.
– Daniel Heimsoth, Senior Underwriter Accident insuranceThe most serious accidents happen when we come face to face with reality.
Product Highlights of Our Accident Prevention Solutions
Comprehensive accident coverage – structured, predictable, marketable
Disability benefits based on the type and severity of the injury.
Life insurance and survivor benefits provide financial security for family members.
Hospital and recovery costs, as well as daily cash benefits if applicable.
Emergency assistance, rehabilitation counseling, medical services.
For occupational and recreational risks.
24/7 claims hotline for rapid operational support.
Claims Handling – Examples
Workplace accident at a social services facility
An employee falls and is seriously injured. exxis coordinates medical care, accident reporting, and claims processing—with minimal disruption to business operations.
Leisure-time accident involving a self-employed person
A freelancer becomes disabled following a sports injury. exxis reviews the claim, coordinates rehabilitation, and provides financial relief.
School and Daycare Case
A child is injured in an accident at the facility. exxis handles the claim filing, determines coverage, and communicates with the parents.
Why choose exxis for accident insurance?
- Extensive experience in the development and placement of complex accident insurance products
- Extensive underwriting expertise for various risk groups
- Market access to leading insurers and specialty capacity
- Operational claims handling and rapid determination of benefits
- Customized solutions for broker networks and insurers
Contact us
exxis - Your insurer for complex risks
Would you like to learn more or speak with us directly?
Email: info(at)exxis(dot)de
Phone: +49 (0) 5231 603-0
Location: Detmold