Personal injury insurance provides a financial benefit to the policyholder if an insured person suffers bodily injury or death as a result of an accident.
Comprehensive and flexible cover enables brokers to tailor cover to suit the business needs.
Lump sum paid to company and family of director fatally injured in accident
A director and staff member of a family-owned business suffered a fatal accident at work. The PA insurance purchased by the company provided a timely and substantial lump sum to the company and family and covered funeral expenses and counselling services. The payment assisted in the avoidance of an EL claim against the company.
Injured employee receives disability and hospitalisation benefit
A key employee of a small business was involved in a serious accident. The injuries sustained resulted in the PA policy paying out substantial benefits for disability, hospitalisation, convalescence, retraining and temporary staff provision. Although the benefits were payable to the policyholder the company passed them on to the employee who now works at the company in a clerical capacity.
Company receives payment to cover temporary replacement driver
A company purchased Occupational PA cover for its delivery drivers. When one of the drivers was involved in a serious road accident the policy provided a weekly benefit to the company in order for them to secure a temporary replacement driver during the period of absence.
The examples of claims or situations on this site do not imply that similar circumstances would constitute a valid claim. Each claim is reviewed individually in accordance with the specific policy wording.