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Personal Accident

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What is personal accident insurance?

Personal accident insurance can help protect your employees in the event they become harmed at work. Payment will be provided to the employee or in the case of a fatal accident, the employee’s family.

What is personal accident insurance?

Personal accident insurance can help protect your employees in the event they become harmed at work. Payment will be provided to the employee or in the case of a fatal accident, the employee’s family.

How can Personal Accident Insurance help my business?

Employer’s Liability cover is legally required and will protect you if an employee chooses to file a claim against you for workplace injury, however, it will not protect the employee. Personal Accident cover can be a great benefit or incentive for yourself or employees and can help bring great peace of mind. If you or an employee are unable to work due to a workplace injury, Personal Accident cover will make weekly payments. In the event of a fatal injury a lump sum payment will be made to the family of the deceased. This can help reassure employees that they are properly protected and help to increase productivity and wellbeing.

According to statistics gathered by the Health and Safety Executive, the annual cost of workplace injury for 2015/16 totalled over 5 billion. With 600,000 workers suffering from non-fatal injuries in 2017, these costs continue to rise. Accidents happen, even in the safest of work environments. If your workplace contains heavy machinery, your employees are required to drive for work purposes or you are likely to be targeted by robbers this risk increases. Serious Incidents can occur under a variety of circumstances and planning for the worst can help you and your employees to feel safe.

The main cause of death and injury in the workplace are believed to be due to falls, motor vehicle incidents and injuries caused by falling objects. The risks of injury through robbery or violent attack are believed to be far lower with fewer than 3% of all victims of robbery requiring hospitalisation.

Personal Accident cover can provide financial protection when it’s most needed. The inability to work can quickly devastate families and these monthly payments can help people get back on their feet. Personal Accident cover comes as a standard benefit with many business insurance policies and can be incredibly valuable.

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