Group Personal Accident
A capital sum, usually a multiple of salary, if an employee dies or is disabled by an accident
Group personal accident pays a capital sum if an employee dies or is permanently disabled by an accident. Benefits are normally expressed as a multiple of annual salary, commonly with a maximum per person.
- Accidental death, and permanent total or partial disability against a scale of benefits
- Temporary disability as a weekly benefit, and accident medical expenses
- Cover 24 hours a day worldwide, or restricted to working hours if preferred
- Rated by occupation class, so site and driving roles cost more than office staff
Illness is not covered. This is an accident policy, not a medical one.
From enquiry to cover
We map the risk
A short conversation about what you do and what you own, so the cover matches reality.
We go to the market
We compare wording and limits across insurers, not the premium alone.
You choose, we place
We explain the differences in plain terms, then place the policy you pick.
We run the claim
If something happens, the file is ours to follow through to settlement.
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