Why group personal accident insurance should be business as usual

May 19
6
 min read
Last updated: 
May 19, 2025
 Injured soccer player lying on the field during a match.

When you're organising an event, running a sports season or managing a venue, you have a lot on your plate. You're juggling logistics, registrations, safety planning and participant experience. But there's one important consideration that can significantly enhance your offering, yet is often overlooked: group accidental injury insurance.

Flip Group Active insurance is designed specifically for event organisers, sports clubs and venue operators who want to provide genuine value to their participants. Let's explore why including accidental injury insurance should be a key part of your customer care strategy—and how it may help boost your reputation and customer satisfaction.

What is Flip Group Active insurance?

Flip Group Active is group personal accident insurance purchased by businesses on behalf of their participants. 

It provides cash payouts directly to participants if they have eligible injuries during your event or at your venue. These payouts can help cover medical expenses or other costs associated with recovery.

Key features include:

  • Preset cash payouts for eligible injuries: from $100 for X-rays up to $50,000 for severe injuries
  • No excess and no waiting periods
  • Simple digital claims process handled directly by Flip: no admin burden for organisers
  • Optional ambulance cover available: up to $3,000

How Flip Group Active can enhance participant experience

Including Flip Group Active in your event isn't about forcing insurance or extra costs onto participants—it's about providing thoughtful protection as an integral part of your event experience. It sends a clear message: you genuinely care about the wellbeing of everyone who participates.

When Gridiron Victoria included Flip Group Active into the fees for all under-18 players, the feedback was positive. “We put all the info and the policy wording on our Facebook group so parents, players and coaches could see exactly what was included,” explains Lynn Spence, Gridiron Victoria’s President. “There was zero pushback. Parents were happy and relieved.”

Participants consider safety and wellbeing when choosing events or activities. Offering accidental injury cover can set your business apart from competitors who don't offer this benefit.

Benefits for your business

Boost participation rates

Many Australians hold back from participating in sports and adventure activities due to fears around injury and associated costs. By proactively addressing these concerns through Flip Group Active insurance, you can attract more participants who might otherwise hesitate.

“Having insurance built-in becomes a feature of the event. If that’s important to someone, it can remove concerns that might prevent them from making a purchase.”
Cam Taylor, Event Organiser, Brisbane Roubaix

Enhance your reputation

Including accidental injury insurance positions you as a responsible organiser who prioritises participant wellbeing. This can help build trust and loyalty among customers and enhance your brand's reputation.

“I definitely think it will encourage more kids and adults to join. People want to know they’ve got some protection, and now we can show them we take their safety seriously.”
Lynn Spence, President, Gridiron Victoria

Simplify risk management

With Flip Group Active, claims are managed entirely by Flip’s digital platform. Participants can easily lodge claims online without involving organisers—saving you time and administrative hassle.

“I’ve worked with insurance companies in my corporate life and a lot of them have a pretty poor user experience and outdated solutions. Flip was very transparent, and had a clear, modern, user-friendly experience. That appealed to me.”
Cam Taylor, Event Organiser, Brisbane Roubaix

Cost-effective integration

Group Active policies are affordable and easy to integrate into your existing pricing structure. Pricing typically ranges from just $2–$6 per person per day depending on the activity type and risk level.

“Honestly, the hardest part was convincing people the price was real. My board kept looking for the catch. But after checking the details, everyone agreed it was as simple and affordable as it sounded.”
Lynn Spence, President, Gridiron Victoria

Real-world examples: how Flip helps businesses and participants

Flip has already covered 40,000+ Australians and helped many recover financially after accidents at events or venues.

Flip in action: Oliver's wipeout

Oliver knocked himself out on a sandbank at a surfing competition. The organiser had purchased Flip Group Active for all participants, so Oliver had cover for his accident.
Oliver's injury was of a severity that required:
Urgent treatment in an emergency department
$200
Diagnosis by x-ray
$100
Diagnosis by CT scan
$100
Specialist care
$100
TOTAL BENEFITS PAID
$500
Flip has demonstrated an ability to be nimble and responsive to our needs as an event organiser, and the needs of our event participants. Adding Flip coverage to our event participants, or making it simple for them to purchase themselves have been great value adds to our events. Making sure our riders have access to personal accident insurance on event day offers great relief to 02 Events as an organiser. On a personal note, each individual we have dealt with at Flip has been great to work with. We strongly recommend Flip Insurance to other event organisers or even just active people in their individual pursuits.
Jordan O'Neill, Director
Spartan Race included Flip's injury cover as part of the entry fee.When I hurt my ankle during the race, I was stoked because I had cover without having to think about it. I was surprised how smooth and fast it all was.Submitting a claim was straightforward, and I got $200 cash within a day or two. It helped cover everyday expenses while I got back on my feet.
Matthew H., Spartan Participant

Stories like these highlight the real impact that including Flip Group Active can have—not just financially but emotionally too. Participants feel valued knowing their wellbeing matters to organisers.

Taking action: make participant wellbeing a priority

Including accidental injury insurance in your event planning or venue management strategy demonstrates genuine care for participant wellbeing—helping you stand out from competitors while boosting participation rates and customer loyalty.

Flip Group Active is simple to understand, easy to implement and delivers real value for both organisers and participants alike.

Ready to learn more? Contact our team today to explore how Flip Group Active can help elevate your events or activities—and give your customers the confidence they deserve.

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You should consider whether Flip Insurance is appropriate for you. It’s important to read our Product Disclosure Statement and Financial Services Guide and Target Market Determination before signing up, too. Issued by HCF Life.

Ready to give medical expenses the flip?