Personal accident insurance
Add personal accident cover to your business insurance policy and get a payment in the event that someone in your business suffers an injury leaving them unable to work.
Why choose personal accident insurance?
By adding personal accident insurance to your business insurance policy, you can ensure that your business is financially compensated in the unfortunate event that someone working for the company is injured and is left unable to work.
- Choose a benefit of £2,000, £5,000 or £10,000
- Covers accidents resulting in loss of sight, hearing, speech or a limb
- Also covers accidental death
- Cover for accidents in or out of the workplace
Be quote confident
We're big on fairness. So if you find a lower price for a comparable quote, we won't just match it – we'll go one better and beat it.
So even better than apples to apples, apples to better apples. We're talking Galas to Braeburns.
As you'd expect, T&Cs apply.
What does personal accident insurance cover?
You and your employees
Superscript's personal accident insurance can pay out a benefit if someone working for the business suffers an accident, whether that's the business owner or an employee.
Your personal accident insurance can pay out if you or an employee suffers an accident that results in the loss of:
- A limb
Permanent disablement or death
While it's not something many people might wish to think about, personal accident insurance can pay a compensatory benefit to the business in the unfortunate event that someone in the business suffers an injury that results in them becoming disabled and permanently unable to work, or in their death.
Accidents both in and out of the workplace
Personal accident insurance can pay out a benefit to your business in the event of an accident that injures you or your employees that takes place anywhere, and not just in the workplace.
Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.
Personal accident insurance FAQs
Personal accident insurance covers all kinds of accidents, and the decision of whether to pay the benefit to the business is based on the outcome of the accident, specifically the injury or disablement suffered by the individual.
If someone working for your business suffers an accident resulting in loss of sight, hearing, speech or a limb, death or leaving them disabled and permanently unable to work, then you can claim a compensatory benefit payment.
Superscript's personal accident insurance is an optional additional cover that you can add to your policy when you get a quote with us. In order to take out personal accident cover, you will need to also take out public liability insurance with Superscript.
You can choose the level of the benefit paid out to your business in the event of a claim, and the level you select will determine the cost of the cover.
The levels of payment are:
Superscript's personal accident insurance covers accidents wherever they take place, whether it is in the course of carrying out business duties or not, and whether the accident occurs in the office or out and about.
In the event of someone who works for your business suffering an accident that is covered by your policy, then the payment will be made to the business and not the individual or their family.
For your personal accident insurance, the term 'permanent total disablement' means disablement which entirely prevents the insured person from attending to any occupation, to which they are reasonably suited by training, education or experience and which:
- Lasts 12 months
- Is beyond hope of improvement
For your personal accident insurance, the term 'loss of sight' means total and irrecoverable loss of sight in one or both eyes
'Loss of limb' refers to the permanent loss by physical separation of a hand at or above the wrist or of a foot at or above the ankle, or permanent total and irrecoverable loss of use of a hand, arm, foot or leg.
No, these two covers are sometimes confused for each other but they are distinct. The most important difference is that personal accident insurance pays out to the business while a life and critical illness insurance policy would pay out to an individual or their family in the event of severe illness or death.
Employers' liability insurance would cover the legal and compensation costs associated with a claim made by a member of staff against the business if they were injured at work. Personal accident insurance pays the business in the event that an accident leaves the employee unable to work.
- 7 Dec 20235 minute read
Ever wondered what intellectual property is? Want to know how intellectual property insurance can help protect your business? Then read this handy guide.
Authorised by the FCA
The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.
A-rated financial strength
Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).
Protected by the FSCS
If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.