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Personal Accident

Personal accident insurance was developed following the introduction of rail transportation, being sold at stations to provide financial assistance to dependents should fatal accidents occur. This was then applied to air travel and nowadays variations on the theme are available for 24 hour protection against death and injury.

What is covered? The wording generally revolves around the following categories of cover:

  • Death
    • A lump sum payment in the event of death. Can be a specified sum, or a multiple of salary
  • Total and permanent loss of sight in one or both eyes
    • A lump sum payment in the event of death. Can be a specified sum, a multiple of salary or a specified percentage of the death sum
  • Total and permanent loss of or use of one or more limbs
    • A lump sum payment in the event of death. Can be a specified sum, a multiple of salary or a specified percentage of the death sum
  • Permanent and total disablement
    • A lump sum payment in the event of death. Can be a specified sum, or a multiple of salary
  • Temporary total disablement
    • A specified weekly benefit for a defined period

When arranging cover for our clients, due consideration is given to:

  • Occupation
    • Premiums will be based on the occupation of the persons insured
  • Basis of cover
    • Occupation only or 24 hours
    • Geographical areas
    • Is cover required whilst abroad?
  • Contractual requirements
    • Do your contracts of employment provide for compensation in the event of death?
  • Specific groups or individuals
    • Cover can be tailored to the needs of the business

Castlemead Insurance Brokers have the knowledge, experience and market connections required to competitively place the required cover for your business.

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