My company and provider just opened enrollment for 2025. Something i’d been blind to or new this year was added as an ‘accidental insurance coverage’ for a measly $108 per annum, I opted in. The intention is to provide you with cash in the event of an accident where you seek care. The listed payouts were scaled to the severity of the injury and subsequent care, though a trip to urgent care covers the annual premium in one go. Start breaking bones and you’re way past the break even point.
This got me thinking, with the hobbies i’m involved in (and usually get hurt from) are there other types of coverage that I should be considering? The obvious would be insuring the bicycle itself. I’ve not explored premiums associated, though nothing I own is really ‘break the bank’ territory if I were to have to replace it.
Do you have hobby centric insurance?
I have disability insurance specific for my job (high income). My work offers a basic disability but it’s not a ton, like 10% of my salary. So I did supplemental. It’s expensive though, which makes sense with what I earn and would get paid. If I get hurt and can’t work I’d get around 50% of my normal salary. Since I like to do stupid stuff like XC and CX and try to hit jumps when I don’t have the skill, it’s worth it. At least my wife says it is 
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I’ll second the suggestion about own occupation disability insurance. It can be quite expensive depending on the details, upwards of $1000 a month but depending on what you do for work it can be worth it. The things to be aware of before considering it is that it generally will only kick in after 90 days and there are only about five insurance companies that provide true occupation disability. Definitely not the sort of thing that would pay for itself with an urgent care trip or even a clavicle fracture but in the event of a major injury that prevents you from working they tend to pay very well. Additionally if you purchase it outside of work and pay out-of-pocket for it the payout from the insurance is tax-free