Personal Accident & Sickness insurance

Protecting your team. Protecting your business.

When an employee is unable to work due to an accident, illness or even death, the impact can be felt across your whole business. Group Personal Accident and Sickness Insurance provides financial support that helps you manage costs while showing employees that their well-being matters.

This cover ensures your business has a plan in place, protecting both your people and your bottom line. If you would like a no-obligation quote, you can request a quote online or contact us.

How personal accident insurance works

The employer selects what levels of benefit are required and which employees are to be covered. In the event of an employee being injured, the business will receive a weekly benefit if the employee has a temporary injury, or the business will receive a lump sum if it is a permanent injury or death. 

The business can then decide what to do with the money; they can pay the injured employee’s salary, they can use it to cover additional costs or overtime, or they can just stick it in the bank. 

The level of benefits payable is selected by the business. Commonly, the level will either be a multiple of the weekly/annual salary or a fixed benefit, such as £500 per week for temporary total disability, £250 per week for temporary partial disability, and £25,000 for permanent disability and death. The business can also select different benefit packages for different types of employees and can extend cover to also include injuries that occur outside work. If you would like to discuss options, please contact us.