Personal accident insurance

Your safety net when there isn't one

Prangs, slip-ups, mishaps: despite the best laid plans, they happen to everyone.

At best, you're left reaching for the plasters and hoping for sympathy. At worst, you or a key member of staff could be out of action for months, years, or (whisper it) much longer.

Have you thought about how your business would survive?

It's an unpalatable thought, sure, but taking steps to protect your business and your income makes sense.

If you or an employee is physically injured, and working is no longer possible, personal accident insurance pays your business a lump sum to help keep it going – specifically, if you need to recruit or retrain staff.

It keeps your business fully functional – even if you're not.


What does personal accident insurance cover?

Personal accident insurance compensates your business if you or an employee are injured or killed in an accident, regardless of whether it's at work or not.

This includes:

  • Lump sum payments if someone is killed.
  • The cost of shuffling staff around to cover absences eg, recruitment, training etc.
  • Day to day running costs of your office.
What else do I need?

Professional indemnity insurance is for claims and allegations of negligence, mistakes and things you've failed to do. Essential if you provide specialist services to paying clients.

Public liability insurance is for when you go out and about on business, or have visitors to your office. It’s for claims of physical damage to property and people. Useful if you’re clumsy.

Employers’ liability insurance covers your business if an employee sues it for damages. Claims are usually because they’ve suffered injuries and illnesses as a consequence of working for you. It’s a legal requirement for UK businesses with employees.

Office and property insurance covers the things in your office (furniture, plants, fixed IT equipment etc) and portable insurance covers gadgets and technical equipment away from the office (laptops, tablets, projectors etc). If you’re not sure it’s worth insuring, add it all up – it’s probably worth more than you think.

Business interruption insurance means you can still work when your office is out of action. Be it flood, fire or flea infestation, you’re covered for the costs of setting up elsewhere and for any lost revenue in that time.

Directors’ and officers’ insurance covers your company bosses. Anyone from regulators to shareholders to competitors can accuse you of not running a business with due care. Worse, directors are personally liable for their actions. The good thing is this insurance covers your defence costs and any compensation you have to pay. So you can put away your chequebook.

Why should I buy my insurance from you?

Glad you asked.

The simple answer is: we know what we're doing. Professional insurance is all we do so we know what you need, even if you don't.

We also know that buying insurance can be, well, a bit of a pain. So we make sure getting yours is quick and hassle-free.

We do all that while treating you like a human being, too. You won't find a call centre here. Or a phone menu. And we've banned nonsense insurance jargon.

Anything else? Well, there's the great stuff you get, such as 20% off everything at MOO. We have an 'I'm insured!' badge for your website too – perfect for the professional professional.

Also, we'll give you money each time you recommend us.

Plus, every insurance-related question you can think of is answered in our School of Risk, and you'll get our quarterly risk advice email – 'The Waggle' – to help you avoid problems in the first place.

If you're after a second opinion, have a look at our customers' feedback. They're the ones you should really listen to.

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What our customers say

Very easy to find the cover I wanted and to put it in place. That ease of doing business is key to me.

An efficient, convenient service.

All aspects of contact, quotation and putting cover in place were exemplary.

Refreshingly straightforward approach; very good people to deal with.

PolicyBee gave me an unbeatable quote online. The process was so easy and I was insured within minutes.

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Need more info?

No problem – we'll call you.

Kerri-Ann Hockley - our personal accident insurance expert

I'm Kerri-Ann,
our personal accident insurance expert.

Got a question? Need a quote? Call me on
0845 872 5073, or click
'Call me back'.