Coverage Options

FairShare enables employers to offer their employees better benefits at lower cost while earning 100% of the excess profits.

Custom Insurance Programs. Built Around Your People. Powered by FairShare Insurance

FairShare offers a suite of voluntary supplemental insurance programs, including:

At FairShare, we design fully customized insurance programs that bring meaningful protection and everyday value to your members, employees, and affiliated communities—all under your brand.

Using a broad portfolio of products—including Electronic Device Protection, Accidental Injury, Critical Illness, Hospital Indemnity, Dental/Vision, Limited Medical, Legal Insurance, ID Theft, Group Auto & Home, Home Warranty, Pet Insurance, Travel Insurance, Tenant Liability, Road Hazard, Auto Club, and more—we build tailored solutions that align with your organization’s unique audience and goals.

Rather than offering one-size-fits-all coverage, FairShare works with sponsoring companies to:

Curate the right mix of benefits based on demographic insights and member needs
Bundle complementary protections into cohesive, easy-to-enroll programs
Enhance existing benefit packages with voluntary or employer-sponsored options
Create turnkey, branded experiences that strengthen loyalty and engagement

// Examples

Examples of Coverage

FairShare offers an extensive, customizable menu of coverages to fit the needs of any organization. These include:

Electronic Device Protection

Covers repair or replacement costs for multiple devices, including phones, laptops, TVs, tablets, monitors, and gaming consoles under one plan.

Accidental Injury

Pays a lump sum or reimbursements for medical costs related to accidental injuries, such as fractures, burns, or dislocations.

Critical Illness

Provides a lump-sum payout upon diagnosis of serious illnesses like cancer, heart attack, or stroke to help cover medical and non-medical expenses.

Hospital Indemnity

Offers cash benefits for hospital stays, surgeries, and related expenses, paid directly to the insured regardless of other insurance.

Dental/Vision

Covers preventive and corrective dental and vision care, including exams, procedures, eyeglasses, and contact lenses.

Limited Medical

Provides basic coverage for routine healthcare expenses but with lower benefits and caps compared to major medical plans.

Legal Insurance

Grants access to legal services, including consultations, document reviews, and representation for personal legal matters.

ID Theft

Helps cover costs related to identity theft, including credit monitoring, fraud resolution, and legal assistance.

Group Auto & Home

Offers discounted auto and home insurance policies to employees through group purchasing power.

Home Warranty

Protects against unexpected repair or replacement costs for major home systems and appliances due to normal wear and tear.

Pet Insurance

Covers veterinary expenses for illnesses, injuries, and routine care for pets.

Travel Insurance

Covers unexpected costs while traveling, such as trip cancellations, medical emergencies, lost luggage, and travel delays.

Tenant Liability

Protects renters from financial responsibility for damages to a rental property due to negligence, such as fire, water damage, or accidental injury.

Road Hazard

Provides coverage for tire damage caused by road hazards such as potholes, debris, and tire blowouts.

Auto Club

Offers roadside assistance, travel discounts, and emergency services for drivers, including towing, battery jumps, and lockout assistance.

Custom Programs

Tailored insurance solutions designed to meet specific needs, such as industry-specific risks or employer-sponsored benefits.

What makes FairShare truly different is the surplus participation model.

FairShare transforms a broad portfolio of insurance solutions into a strategic advantage for your organization—delivering protection that works, value that resonates, and programs built to grow with your community.

Coverage Options