“160,000 employees suffered work related injury or illness last year and 2.2 million employees have suffered from injury or sickness that they believe was caused or made worse by past work”

The Health & Safety Executive (HSE)

Individual or group personal accident and sickness insurance is designed to provide financial protection to individuals or employees of UK businesses, following an accident or illness that prevents the person working.

Protection can be arranged to provide cover on a 24 hour basis or for work related events only. The main covers can be on a set sum insured basis or on a multiple of the individual salary.

The main covers are:

  • Accidental death
  • Loss of sight, hearing, speech or limb
  • Permanent total disablement
  • Temporary partial or total disablement
  • Payment of weekly wages for up to 2 years

Accident and sickness covers are recommended for individuals as income replacement and for businesses to ensure employees do not become a financial drain on the company.

Key Considerations

  • Basis of cover
  • Excess or franchise periods
  • Existing medical conditions
  • Hazardous work or pursuits