Group accident insurance will help pay cash benefits to employees when unexpected medical and everyday expenses begin to add up after a covered accident, accidental-death or accidental-dismemberment. Guaranteed-issue coverage with no underwriting required to qualify for coverage.  Some providers list as many as fifty qualifying events that will result in payments to the insured.  While many occupations as individuals (roofer and similar occupations) can not be insured as they may generally be considered a bad risk, some carriers will consider them as a group.