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Group Personal Accident Insurance


Do I need it?
If you want to insure yourself against the financial effects of the loss of an employee. It is also seen as a generous staff benefit whilst being very cost-effective to provide.

Because of our experience in providing group personal accident insurance, we are able to offer comprehensive coverage at a very competitive premium.

What is it?
Our group personal accident insurance cover is specifically designed for companies who want to provide a package of benefits for their employees and their dependents, or insure against the financial effects of the loss of services of an employee.

Group personal accident insurance cover allows the company to insure itself against its senior executives and/or employees being unable to work because of injuries sustained through an accident or illness.

Standard cover includes lump sum payments for accidental death, permanent disablement, loss of limbs and regular income for temporary inability to work. Cover can also be arranged for loss of fingers, toes, hearing or speech.

The cover is completely flexible and can be tailored to suit each particular situation. For example, a weekly benefit is available for periods of temporary total disablement, and cover for illness can also be included.

You can also have the possibility of determining the sums insured. You can choose different amounts and/or cover for named persons and/or categories of people, choose fixed sums insured, or multiple of salary/percentage of weekly wage. You may also choose the type of cover (24 hour basis, occupational risks).

Cover is provided for accidental injury happening within the chosen limits of cover. The standard ranges of benefits are:

  • Death

  • Loss of one or more limbs

  • Total and irrecoverable loss of all sight of one or both eyes

  • Permanent total inability to attend to any occupation or business

  • Temporary total inability to attend to usual occupation or business

    • Additionally, cover can be arranged for a wide range of other injuries in a package, including loss of hearing, loss of speech, loss of fingers or toes.

    What should I do now?
    Because of our wealth of experience in providing group personal accident insurance advice to our clients over many years, we are able to offer individually tailored products and services for a range of situations.

    For an informal discussion please call us on 01325 353 888 and we will be happy to discuss this further. Alternatively please email us at webenq@bibinsurance.co.uk