Single-day accident protection for your customers
What is Daily Event Insurance (DEI)?
Daily Event Insurance is single-day, event-based accident protection that covers every person who walks in the door. Priced at $5-$10 per person, coverage is mandatory for all participants. It includes AD&D (Accidental Death & Dismemberment) plus an Accident Medical Rider, providing coverage for slips, falls, and accidental injuries that happen on your premises. DEI is underwritten by AIG or Mutual of Omaha and distributed through HIQOR's platform.
- AD&D + Accident Medical coverage per visit
- $5-$10 per person — mandatory for all participants
- Time-bound: activates at check-in, ends at check-out + 45-90 min buffer
- Covers slips, falls, and accidental on-premises injuries
- Does NOT cover service outcomes, adverse reactions, or malpractice
- Underwritten by AIG or Mutual of Omaha
- Available for day passes, drop-ins, events, and single-visit customers
Automated, zero-complexity protection
How DEI Works for Your Business
DEI integrates with your existing check-in and booking systems. Coverage is mandatory for every person walking in the door at $5-$10 per person. When a customer checks in for a day pass, event, or drop-in visit, coverage activates automatically. When they check out or leave, coverage ends. Everything is timestamped and auditable. You do not handle claims, underwriting, or policy management - HIQOR's platform and the carrier (AIG or Mutual of Omaha) handle all of that.
- Customer books or checks in at your location
- Coverage activates instantly via your existing systems
- Protection is active for the entire visit duration + buffer
- Check-out or departure signal ends coverage automatically
- All sessions are timestamped with anonymous session IDs
- Claims are handled by the carrier (AIG or Mutual of Omaha), not by you
Perfect for businesses with drop-in and event-based customers
Who Uses DEI?
DEI is designed for businesses where customers visit for single sessions rather than ongoing memberships. Gyms offering day passes, adventure parks issuing tickets, race events with registered participants, equipment rental companies, and any location where customers come for a defined activity window.
- Gyms and fitness studios with day pass customers
- Climbing gyms with drop-in climbers
- Adventure parks, trampoline parks, and go-kart tracks
- Race events: marathons, cycling races, triathlons, obstacle courses
- Equipment rental: bikes, kayaks, ski gear, jet skis, ATVs
- Any business with single-visit or event-based customers
New revenue stream with zero operational complexity
How Partners Earn from DEI
As a DEI partner, you earn commission on every person who walks through the door. Coverage is mandatory at $5-$10 per person, so revenue is predictable and tied directly to your foot traffic. No enrollment friction, no conversion guesswork. Carrier-funded acquisition subsidizes your first conversions at $5, $40, or $100 per converted location depending on tier.
- Earn on every person — coverage is mandatory, not optional
- $5-$10 per person walking in the door
- Two product options: DEI (per-visit) and ActiveGuard (monthly)
- Zero operational complexity - activation is automated
- Carrier-funded customer acquisition ($5, $40, $100 per conversion)
- Differentiate from competitors with real accident protection
DEI vs Business Liability Insurance
DEI and business liability serve different purposes. Understanding the difference helps you explain the value to your customers.
Participant Protection
Business Protection
They Work Together
DEI/ActiveGuard covers the person with time-bound accident protection. Business liability covers the business from claims. Together, they reduce the chance that on-premises accidents escalate into lawsuits.
Continue Learning
Explore more about ActiveGuard, revenue models, and frequently asked questions.