Occupational personal accident insurance

Occupational personal accident insurance is designed to offer financial protection to businesses and individuals in the event of an accident that occurs while performing work-related activities. This type of insurance provides compensation for accidental injuries, permanent disabilities, or death that an employee may suffer during the course of their employment. The policy covers medical expenses, loss of income, and other related costs, ensuring that the affected individual and their family are supported financially during the recovery period.

You are able to tailor your occupational personal accident insurance policies to suit the specific needs of your organisation. Coverage options can include a range of benefits, such as one-time payment for serious injuries, weekly benefits for temporary disabilities, and reimbursement for medical treatments and rehabilitation costs.

Why do I need occupational personal accident insurance?

Occupational personal accident insurance is a safeguard for both employers and employees, providing financial protection and peace of mind in the event of unexpected accidents. By investing in this type of insurance, businesses can mitigate the financial impact of workplace injuries and ensure the continued well-being of their workforce.

This insurance is particularly vital for industries which involve physical labour, hazardous environments, or high-risk activities, where the likelihood of accidents is higher. However, it can also be beneficial for office-based roles, as accidents can happen in any work setting. Securing occupational personal accident insurance helps businesses to demonstrate their commitment to the well-being of their employees, fostering a sense of security and trust within the workforce.