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Personal accident insurance

Insurance that keeps your business up and running, even when you’re not.

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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 permanently 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 an ‘I’m insured!’ badge for your website – perfect for the professional professional.

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

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

What our customers say...
Very good service and polite
Charity/not-for-profit organisation
22 June 2024
we are very happy with the service and our required policy has been settled quickly and met accordingly.
Domiciliary Care Agency
15 June 2024
It was very easy and quick to set up my pl policy and a great price.
Cleaning Services
13 June 2024

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Call us and a real person answers. No call centre, no phone menu, no scripts. Just friendly, helpful advice from a business insurance professional.

We're here Monday to Friday, 9 to 5.
0345 561 0320
Catherine Roberts
Account Executive
Sarah Adams
Sales Team Leader
Yasin Akdemir
Schemes Team Leader
Sian Adams
Medical Malpractice Team Leader
Zoe Langford
Senior Account Executive