How can group personal accident insurance help my business?

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.

Where does any claim payment go?

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

Who is covered by group personal accident insurance?

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

Do my staff need to have a medical to be accepted on to the scheme?

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

Does personal accident insurance cover employees for illness they had before cover was put in place?

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.

Can I vary the amount of benefit the policy will provide?

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.

Group Personal Accident Insurance

Name: Group Personal Accident Insurance
Brand: Alan Boswell Group
Rating: 4.8 (11210 reviews)

Group personal accident insurance provides financial protection in the event of accidental injuries, disabilities, or fatalities, ensuring support for individuals within the covered group and their beneficiaries.

Quick and easy to arrange

Instant financial relief for the injured party

Valuable staff benefit

You can decide who is covered and where the money goes

Have you considered what would happen to your business if a key member of staff suffered a serious injury and was unable to work? It is easy to overlook employees when it comes to protecting your company assets. But how would you react if something happened to them? What contingency plans do you have in place?

Group personal accident insurance is designed to provide a tax-free cash payment in the event of death, disablement, or loss of hearing, sight, or speech following an accident. Both fixed lump sums and ongoing weekly benefits are available.

The Alan Boswell Group Difference

Alan Boswell Group is one of the UK’s largest independent insurance brokers and has worked alongside leading providers to develop bespoke group personal accident products.

We take the time to understand your individual business processes, people and risks, so we can provide expert independent advice and insurance protection. With access to both mainstream and niche liability insurance providers, we can arrange comprehensive insurance programmes to meet the needs of your business.