What is personal accident insurance?

Personal accident insurance is designed to protect your business financially should you suffer an injury from an accident that leaves you unable to work. It can also offer protection against the same happening to a key member of staff.

For example, you may worry about how your business would cope if you were to suffer a serious injury in a car accident, leaving you bed-ridden for a prolonged period of time. Likewise, a partner or director in your business may fall down a flight of stairs and sustain multiple injuries, keeping them in hospital for several months. With personal accident cover in place, your business would receive a lump sum or weekly pay-outs to help offset any resulting loss in income, as well as further support towards retraining costs.

Call on 0800 2800 351 Mon - Fri, 8am to 7pm, Sat, 9am to 2pm excluding bank holidays.

Get a personal accident quote online

  • 0% interest on Direct Debits
  • Immediate coverage and documentation
  • No admin fees if you amend your policy

Need more help? Speak to our UK-based experts. Call us on 0800 2800 351

Mon - Fri, 8am - 7pm, Sat, 9am to 2pm, excluding bank holidays. Calls are free from a landline and some mobile contracts

You may need personal accident insurance if you:

  • are concerned about how your business would survive if a key member of staff was unable to work
  • want to take steps to protect your business income
  • need to continue to meet your business commitments should the worst happen.

How Hiscox Personal Accident Insurance protects your business

  • 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
  • recruitment expenses up to £10,000 – cover the cost of replacing an insured employee who is unable to work following accidental injury
  • retraining budget – we will provide up to £10,000 funding to retrain the affected person for an alternative occupation if they cannot continue their former job
  • funeral expenses – up to £5,000 to cover funeral costs, which would also cover repatriation costs if required
Hiscox UK
4.7

Rated 4.7 out of 5 for satisfied customer service

670 reviews

Build one comprehensive insurance plan

With Hiscox Business Insurance you can pick and choose which policies you feel you and your business need, so you’ve got one tailored plan in place. This may include public liability insurance, employers’ liability insurance, professional indemnity insurance, cyber and data risks insurance and personal accident insurance. You may also benefit from things like office insurance, which can include portable equipment cover, if you work with expensive computers or equipment.

Your policy

We want you to understand the personal accident cover we offer.

Get a personal accident quote online

  • 0% interest on Direct Debits
  • Immediate coverage and documentation
  • No admin fees if you amend your policy

Need more help? Speak to our UK-based experts. Call us on 0800 2800 351

Mon - Fri, 8am - 7pm, Sat, 9am to 2pm, excluding bank holidays. Calls are free from a landline and some mobile contracts

Start your business award 2017

Winner 8 years running

Personal accident insurance cover information

Hiscox Personal Accident Insurance cover provides to your business:

  • a lump sum if you or an insured employee are injured, left permanently disabled or die from your injuries as the result of an accident
  • a weekly payment whilst you or an insured employee are not able to work because of injuries sustained as the result of an accident.

Our personal accident insurance protects you and insured employees against risks such as:

Risk Protection
Retraining expenses If an employee is no longer able to perform their role following an accidental injury, we will pay up to £10,000 to cover the cost of retraining them.
Recruitment expenses We will pay to your business up to £10,000 to cover the recruitment and selection costs for the replacement of an employee unable to perform their role following accidental injury.
Medical expenses We will pay to your business the medical expenses up to £10,000 incurred because of an accident occurring during or outside office hours so you can get them back to work quicker.
Funeral expenses If an employee dies as the result of an accident, we will pay up to £5,000 to cover the cost of a funeral, including repatriation expenses


Our personal accident insurance policy is designed to protect your business if you, or an insured employee, are killed or injured in an accident.

We can also extend your cover to include if an insured person is left unable to work due to illness, or is granted compassionate leave. 

Our policy will not cover:

  • injuries while taking part in hazardous pursuits such as off-piste skiing, potholing or bungee jumping
  • any claims or circumstances which could give rise to a claim which you knew about, or reasonably ought to have known about before the policy started
  • claims resulting from deliberate self-harm, such as drug use or a criminal act.

Is this product right for you?

  • Your business would suffer financially if you were injured from an accident leaving you unable to work

    Existing customer

    If you already have a policy with us and need to get in touch, our business insurance specialists are here to help

    Make a claim

    When things go wrong, we’re the experts in putting it right. Need to make a claim?

    Our claims promise

    Our UK-based claims handlers are here to act swiftly and in your best interests. Find out more about our superior claims service.