Trevor Garbers has a ringside seat on sales of voluntary accident coverage.

"Accident coverage is definitely in the top three voluntary products that employers request," says Garbers, vice president at Chicago-based insurance company HUB International. "We are seeing double-digit growth, year over year, in both our voluntary accident sales and in the industry, and that doesn't look as if it's going to stop anytime soon."

Jeff Culbertson, manager of product and market development at Unum in Chattanooga, Tenn., says his company's numbers agree with that assessment. Unum launched its current accident product in 2004. The company saw $11 million in sales in 2005, $60 million in 2012, and $75 million in 2013.