Relation Insurance is the most experienced broker and TPA in the intercollegiate athletics injury insurance market. Our expert team has been providing customized solutions for over fifty years to institutions of higher learning at all levels. Since 1996 we’ve partnered with the National Association of Intercollegiate Athletics (NAIA) as the Official Athletic Insurance and Risk Management Consultant to provide quality insurance programs designed specifically to meet the unique needs of NAIA institutions. Download our brochures to see the products and services we offer exclusively to NAIA institutions.

  • Intercollegiate Sports Basic Accident Coverage
  • International Student-Athlete Health Insurance
  • Third-Party Administration for Accident Medical Claims
  • NAIA Blanket Primary Accident Coverage
  • Mandatory Student Accident Coverage
  • Expanded Activities/Cheerleading Coverage
  • Sports Camps/Clinics
  • Club and Intramural Coverage
  • Event Cancellation Coverage
  • Promotional/ Prize Indemnity Insurance
  • Weather Coverage
  • Incentive Bonus
  • Cyber Security Coverage

Important Messages


Additional Information

An important best practice to consider is to require student athletes to have primary insurance, but institutions have encountered difficulty in finding primary insurance that will cover athletic injuries. To this end, Mutual of Omaha offers a primary accident-only insurance plan for athletic-related injuries to assist institutions that require student athletes to have other insurance to control costs.


NAIA institutions purchasing the excess basic medical insurance coverage through Mutual of Omaha are eligible to purchase this coverage.

Plan Benefits

The Blanket Primary Accident Program provides coverage while students are participating in covered athletic events only.

  • Accident Medical Expense Maximum: $5,000
  • Deductible: $0 per injury
  • Benefit Period: 104 weeks

Should a participating student-athlete have other coverage, payment of benefits will be coordinated accordingly.

Intercollegiate Athletic Plan

  • Fully Insured and Self Funded Options Tailored to fit your needs
  • $25,000 excess basic accident medical maximum with a 2 year benefit period
  • Standard AD&D benefit of $15,000
  • Optional Primary Accident Plan
    $5,000 medical maximum. Must be enrolled in basic medical plan to obtain this benefit.
  • On-line electronic incident reporting
    Complete incident reports on-line and submit quickly and easily. There will be no need to mail claim forms again.
  • Dedicated examiner and customer service representative
    The participating institution will have a dedicated examiner to speak with each and every time they need assistance with claims or benefit determinations
  • ID cards issued for athlete use
    ID cards with Preferred network logos will be issued to the school for use by student athletes that have been injured as part of a covered event. Presenting the ID card to providers at the time of service will identify available network discounts and help increase the timeliness of submission and processing of claims.
  • 24/7 on-line access to paid claims
    The participating institution will be granted on-line access to view real-time claim status.
  • Seamless claims transition from basic coverage to NAIA catastrophic coverage
    Once a claim reaches the $25,000 medical maximum on the NAIA basic accident medical plan, we file the claim under the catastrophic plan for you.

The ICS, Club, & Intramural Cat Brochure link below gives an overview of Catastrophic Coverage options for three separate lines of insurance — ICS Cat, Intramural Cat, and Club Sports Cat.