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Personal Accident Insurance for Businesses

Accidents happen and, even though no-one likes to think about them, it’s good to know you’re prepared for the unexpected. Personal Accident insurance is designed to protect your business financially should you suffer an injury from an accident that leaves you unable to work. It can also offer protection against the same happening to employees and key members of staff.

What could happen?

You may worry about how your business would cope if you were to suffer a serious injury in a car accident, keeping you in hospital for a prolonged period of time. Likewise, you or a key employee might have an accident whilst working, such as falling down a flight of stairs and sustaining serious injuries. Depending on the nature of any acccident, the individual affected may need a few weeks off work, or even many months.

With Personal Accident cover in place, and depending on the type of incident, your business would receive a lump sum or weekly payments. For temporary disablement situations, the weekly payments will help offset any resulting loss in income and would therefore help to meet your business commitments should the worst happen. Lump sum payments come into the equation when an incident causes permanent disablement.

How we can help?

We are able to help tailor a policy to suit the needs of you and your business. We would usually encourage 24 hour cover so that key persons would have protection during their leisure time, not just during business hours. The most common forms of cover would include the following:

• Lump sum payment to the business if you or an employee sustains a physical injury as a result of an accident which results in their death or permanent disablement (for instance £50,000, £100,000 or £200,000) • Weekly payments whilst you or an employee are not able to work because of injuries sustained as a result of an accident

Other forms of cover are sometimes available in conjunction with a Personal Accident policy including hospitalisation benefits, retraining expenses, recruitment expenses, medical expenses and funeral expenses. Sickness insurance can also be obtained in certain circumstances.

Why customers choose Marlow Gardner & Cooke

We’re not a call centre, we don’t have call queues You talk to the same people; you know them, they know you We listen but also ask lots of questions; we tailor your solution around you We take ownership of problems and respond with solutions You can be confident your insurance has been set up correctly You can meet us face to face at our office or on site Our service includes risk management advice and claims support

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