Wrestler accident insurance · All 50 states
The Ring, Road & Life 24/7 Accident Plan for pro wrestlers
Individual accident plans for independent wrestlers, around $25 to $35 a month.*
You're covered in the ring or out of it, on the job or off it, 24 hours a day, subject to the policy's terms and exclusions. If you get hurt, the plan pays benefits directly to you, and you decide how to use the money.
*Premiums vary by plan, state, age and benefit level. Limited benefit, accident-only coverage. Not major medical.
You get hurt. The plan pays you.
Accident plans pay set cash benefits for covered injuries, whether or not you have other insurance. The money goes to you, not the hospital, so you can put it toward medical bills, physical therapy, rent or time off the road.
Why independent wrestlers need their own coverage
Most pro wrestlers are independent contractors, not full-time employees of the promotions they work for. That means nobody is buying health or injury insurance for you. You have to arrange your own.
"So our (WWE) talent are all independent contractors, so we don't provide medical insurance for our talent." — Stephanie McMahon
If that's true at the top of the business, it's even more true on indie wrestling shows. Our research has found that most pro wrestlers don't have any active insurance, or they have a policy with a deductible so high it barely helps. One bad bump can turn into a stack of medical bills.
A licensed insurance agency can help you compare your options. That's what we do for wrestlers across the country.
Plans a pro wrestler might need
Accident & injury plan
Pays you set cash benefits after a covered accidental injury, whether or not you have other insurance. Depending on the plan, benefits can include emergency room and urgent care visits, X-rays and scans, fractures and dislocations, surgery, follow-up visits and physical therapy. This is the core of the Ring, Road & Life 24/7 Accident Plan.
Enroll in an Accident PlanAccidental death benefit
Many accident plans include an accidental death benefit that pays your beneficiary a lump sum if you die from a covered accident. For wrestlers who travel to shows every weekend, it's protection for your family on the road and in the ring.
See Plan OptionsHospital plan
Pays a lump sum if you're admitted to the hospital, plus extra cash for each day you stay. It pays you directly instead of paying the providers, so it works whether you have group coverage, a Marketplace plan, VA coverage, Medicaid or no other insurance. Premiums vary by age, plan and state.
Ask About Hospital PlansPlans vary by state; benefits, availability and exclusions differ, and policy documents govern. Christopher D. Martin, NPN 7335986.
In the ring, on the road, in real life
How the accident plan works
Enroll online
Pick your plan and benefit level for your state through our enrollment link. Coverage start dates depend on the plan.
Get treated
If you're hurt, go to a licensed doctor, emergency room, hospital or urgent care. Accident plans like these generally aren't tied to a provider network.
Send in your claim
Submit a claim form to the insurance company. We help you prepare and submit it. Claims are decided by the insurance company.
The plan pays you
Approved benefits are paid to you based on the policy's benefit schedule, and you decide how to spend them.
Meet “The Claim Submission Specialist”
Chris Martin, our managing partner, has never claimed to be a wrestler. His gimmick is that he's "The Claim Submission Specialist" (claims are decided by the insurance company; we help you prepare and submit them). He brings more than 20 years in the insurance industry and a mission to help pro wrestlers understand how insurance works and why coverage matters.
After you enroll, you can call or text us when you change your address, need help filing or appealing a claim, or have questions about your policy. Every insurance company words its policies differently. We'll help you understand what is and isn't covered before you choose.
There's no fee to work with us. We're paid commissions by the insurance companies.
Promoters: protect your whole card
Some promoters require every wrestler on the card to carry their own 24-hour accident plan. Send your roster to the Ring, Road & Life 24/7 Accident Plan, then cover the show itself with pro wrestling event insurance. Text your venue's insurance requirements to (224) 505-8885.
Running shows in a state that requires a promoter or license bond? Apply online through BondExchange.
Wrestler accident insurance FAQ
How much does wrestler accident insurance cost?
Most wrestlers we help pay around $25 to $35 a month for an individual accident plan. Your price depends on the plan, your state, your age and the benefit level you choose. Check prices for your state.
Am I covered in the ring and outside of it?
The Ring, Road & Life 24/7 Accident Plan is built to cover accidental injuries 24 hours a day, in the ring and out, on the job and off, subject to the policy's terms and exclusions. Read the outline of coverage for your state before you buy.
Is this the same as health insurance?
No. These are limited-benefit accident plans. They pay set amounts for covered injuries and are not major medical insurance or a substitute for it. They can work alongside health insurance or help if you don't have any.
Do I have to answer medical questions?
Many accident plans are issued without medical questions, but eligibility rules such as age limits, occupation, or professional-athlete exclusions still apply, and pre-existing injuries may be limited. Check the plan details for your state.
Is it available in my state?
We're licensed in all 50 states, but plans vary by state and not every plan is available everywhere. The enrollment link shows what's offered where you live.
I'm a pro wrestling school student. Can I enroll?
Yes. Wrestling schools can send students and coaches to the same enrollment link. See pro wrestling school insurance for the school's own liability coverage.
Plans vary by state; benefits, availability and exclusions differ, and policy documents govern. Christopher D. Martin, NPN 7335986.
Protect yourself before your next bump
Individual accident plans for independent wrestlers in all 50 states.
See Plans & EnrollCall (224) 505-8885Email Us
Limited benefit, accident-only coverage. Not major medical. Plans vary by state; benefits, availability and exclusions differ, and policy documents govern. Christopher D. Martin, NPN 7335986.