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Occupational Accident Insurance built for healthcare workers

Safe as you can be

We know you're already serious about on-the-job safety. That's why you wear proper protective gear, wash your hands (a lot!) and are extra careful when using sharps to minimize your risks at work.  But accidents still can happen.

Needlesticks, sharps injuries and workplace assaults are some of the biggest occupational hazards that healthcare workers and students face every day.

Get the Facts

5.6 million healthcare workers

are at risk of occupational exposure to bloodborne infections such as HIV, Hepatitis B and Hepatitis C



Sharps injuries happen every day, on average



of all sharps injuries are believed to go unreported



of workplace assaults occur in healthcare settings


Hep C treatment can cost more than


(and may not be covered by insurance)


Mind the (insurance) gap

Accidental infections can be serious and costly.  Unfortunately, workers' comp, disability and health insurance plans may not be much help when you really need it most.

Keep your hard-earned savings for the stuff you love

With Vigilance, there's a better way to prepare for the unexpected.  Vigilance pays a lump sum benefit that may help to fill gaps in coverage and supplement workers' comp and/or health insurance plans after a covered sharps injury or workplace assault.

Added protection when you need it most

You're there when your patients need you and we think insurance should be no different.  With Vigilance, you're covered if things go awry.  Here's how it works.

Infected Needlestick Benefit


We may pay a benefit if you experience a needlestick as the result of an occupational accident and it can be verified that the patient or source of the exposure was infected with Hep B, Hep C or HIV at the time of the Needlestick Exposure.

Occupational HIV, Hepatitis B, and Hepatitis C Benefits


You may receive a lump sum benefit if you test positive for Hep B, Hep C or HIV within 180 days of a covered sharps injury, blood or bodily fluid exposure incident and are subsequently diagnosed with one of those infections.

Felonious Assault Benefit


You may get up to $300/day for up to 10 days if you're the victim of a covered felonious assault and need to be admitted to the hospital as an inpatient.

Who we cover

  • Healthcare students

  • Nurses

  • Nurse Practitioners

  • Physician Assistants

  • Certified Nursing Assistants

  • Dental Professionals

  • Other Healthcare Professionals

Thoughtfully designed with only you in mind

Insurance is too important to be complicated.  That's why we created simple, straightforward coverage designed to address the biggest on-the-job risks that you worry about the most.

Portable coverage that stays with you

Unlike workers' comp, your policy travels with you so you're covered at work and while doing healthcare volunteer work.

Use the benefits however you want

If you qualify for a benefit, it's yours to use however you'd like.  Use it to pay for prescription drugs, groceries, household bills, or put it towards some much-needed R&R to take your mind off of things.

Fast, hassle-free claim payments

Our benefits won't change based on your income—and there's no coordination with other insurance plans.

Designed to fit even the thriftiest budgets

With plans starting at less than a dollar a week, coverage may be more affordable than you think.


Choose your plan

(and let that sense of calm set in)

More choices.  More flexibility.  Always great coverage.

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