Group Personal Accident Insurance

Group personal accident insurance will provide a lump-sum, or ongoing weekly payment, to your business in the event of an injury to a member of staff. This could be of considerable benefit and help you avoid business interruption. Alternatively, the payment can go directly to your employees or their families.

The business decides where the money goes. You can give it to the injured person, their family, or use it to hire temporary staff.

You decide who is covered. Available to directors and employees of the company including manual and clerical staff.

No. The whole process is quick and easy to arrange – no long forms, no medical examination, and an inexpensive premium.

Legal liability does not need to be established in order to make a claim.

No. Personal accident insurance is intended to protect employees against unexpected events and not any illnesses or pre-existing conditions which were known about.

Personal accident insurance will only pay a benefit if an employee suffers an injury or dies as a direct result of an accident.

Cover is flexible and can be bespoke to your requirements, for instance:

• Different classes of workers can have differing limits and benefits.
• Cover can be based on multiples and percentages of salary or on fixed amounts/weekly benefits.
• Cover can be arranged on death and capital sums and/or temporary total and temporary partial disablement.
• Cover can be extended to pick up illnesses.