Personal Accident

• Lump sum payment to the business, up to £100,000 if an employee sustains a physical injury as a result of an accident, either within or outside working hours, which results in their death or permanent disablement
• Weekly payment to the business, up to £1,000 if an employee sustains a physical injury as a result of an accident, either within or outside working hours, or suffers an illness which results in their temporary disablement
• Employee continuity cover – up to £10,000 for recruitment expenses. Employers can choose an existing recruiter or our preferred partner
• Workplace alteration – up to £5,000 to make adjustments to the affected person's workplace following their permanent disablement
• Retraining budget – up to £10,000 to retrain the affected person for an alternative occupation if they cannot continue their former job
• Commuting expenses – up to £10,000 for the cost of transporting the affected person from their normal residence to their place of work if they are unable to use their normal means of transportation
• Funeral expenses –up to £5,000 to cover funeral costs. This would also cover repatriation costs if required

Contact us

The product is suitable for clients where we have an appetite to provide their liability insurance, from one-man-bands to large businesses across a range of sectors, including:

• Consultancy & Professional Services, such as management consultants, recruitment agents, technology consultants, solicitors and accountants
• Technology, such as IT consultants, software designers, games developers and internet service providers
• Marketing, Media & Creative, such as advertising agents, production companies, broadcasters and publishers
• Health, Beauty & Wellbeing, such as hairdressers, beauticians, counsellors, therapists, fitness instructors and masseurs

You will need to tell us:

• how many employees they wish to insure
• what their business does and whether any employees carry out any manual work (in particular, any work at height or depth, in hazardous locations or involving heavy machinery)
• what level of cover they would like (capital and weekly benefit amounts)
• how long they would like weekly benefit cover for (generally 52 or 104 weeks)
• when they want cover to apply (occupational only, occupation including commuting or 24 hours)
• whether they want illness cover included