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Personal accident insurance can be taken out by a business or individual to cover the loss of life or limb. It can act as a safety net if a private individual or a member of staff has an accident or illness.
If an employee is killed or seriously injured, this insurance can cover the costs incurred to keep the business running and help avoid employee litigation. It can also satisfy obligations that may be part of an employment contract and can be an attractive addition to a competitive benefits package.
Hiscox has been writing personal accident insurance for over 30 years. We are known for our expertise, quick response and turn-around time. In addition, our experienced claims team and efficiency of settlement makes us a market leader in Lloyd’s.
We can also provide cover for key personnel active in war-zones, including journalists and aid agencies.
Who is it for?
Businesses or anyone with a financial interest in an individual. We specialise in cover for key personnel, journalists, racing drivers, entertainers, actors, musicians, and other sportspeople.
Cover
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Worldwide cover against any bodily injury or death including:
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Accidental death, dismemberment (such as loss of limbs/hearing/sight etc) and permanent total disablement from usual occupation (as a result of accident and/or sickness)
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Temporary total disablement (as a result of accident and/or sickness) - if an injury or illness stops your employee from performing their normal role
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Available on an individual or group basis, we can also provide personal accident reinsurance (facultative or treaty, proportional or excess of loss)
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24 hour or selected operative times (e.g. business travel only)
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Plain English wordings
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Wide definition of 'insured person'- cover includes sub-contractors and part-time employees if required
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Can also be extended to include additional perils such as war, terrorism and hazardous locations.
Territories
Worldwide with many clients in the UK, US and Continental Europe.
The premium is based on
- Sums insured
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Occupation, age, health
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Destinations visited.
To find out moreFor more information, speak to your Lloyd's broker or contact our Personal Accident team using the Enquiry Form.
The summary of cover is illustrative only and should be read in conjunction with the full terms and conditions of a Hiscox policy.
Hiscox’s ability to do business in the USA and US territories is restricted because Hiscox is not a US-based insurer. The sections of the Site referring to US business provide general information on Hiscox’s products and services only and are not intended to and do not constitute a solicitation of business from or in respect of the USA and US territories.
Enquiries as to insurance or other products or services from US residents should be directed to an insurance agent or broker licensed to conduct business in the relevant US state and, without prejudice to the foregoing, anyone requiring further information about an insurer’s ability to do business in the USA and US territories should contact an appropriate insurance intermediary for advice.
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