24-hour coverage refers to an insurance policy with terms that provide full 24/7 round the clock coverage for the insured party.
While general insurance provides protection against events that occur at any time, some types of policies generally only provide coverage for specific time periods of the day.
For example insurance for employees and workers typically only provide coverage for the hours that are spent at work and in the workplace. And one of the criteria of making claims is that any accidents has to be occupation related.
24-hour coverage features attempt to remove these boundaries of coverage.
Policies with these features, or riders that offer these features, cover employees for activities taking place at any time of the day, even when they are not at work outside of working hours.
Travel related policies and riders can also offer 24-hour worldwide coverage. So does personal accident insurance.
