Group Personal Accident Insurance

Workplace injuries can disrupt your business and lead to costly compensation payments. That’s why we provide employers with extensive insurance coverage and liability insurance protection against accidental death or injury. Our track record of offering Group Personal Accident insurance to organisations also puts us in a good place to help yours, no matter its size.

Coverage Highlights

What it covers

  • Disappearance and exposure
  • Unprovoked murder and assault
  • Natural perils
  • Riots and strikes
  • Civil commotion
  • Suffocation by smoke, poisonous fumes, gas and drowning
  • Terrorism
  • Motorcycling


  • Employers can select from one of the broadest and most flexible range of benefits available at highly competitive rates:
    • Accidental death benefit
    • Permanent total disability
    • Medical expenses due to an accident
    • Hospital cash
    • Funeral expenses
    • Additional indemnity for Public Conveyance
    • Fractured bones
    • 2nd and 3rd degree burns
  • A policy that can be extended to include an employee’s spouse and dependent children

Classification of occupations

  • Class I

    “White collar workers” and personnel whose duties are office related, but not subject to other factors that would increase their risk e.g. attorneys, office managers, clerical & administrative employees, commercial and city salesmen who do not make deliveries

  • Class II

    Occupations where some degree of risk is involved e.g. supervision of manual workers, totally administrative job in an industrial environment, light manual labor (excluding those who use machinery, travelling salesmen, surveyors and merchants)

  • Class III

    Occupations involving regular, light to medium manual work but no substantial hazard which may increase the risk of sickness or accident e.g. industrial workers, most of whom are skilled or semi-skilled workers using light machinery, petrol station attendants, farmers who do not do manual labor, carpenters (excluding those who use power driven woodworking machinery) and taxi drivers.

  • Class IV

    High risk occupations involving heavy manual work, including hot works, industrial workers who use heavy machinery and unskilled laborers

For other occupations, applications will be considered based on details received.

Have a question or need more information?

Contact us to find out how we can help you get covered against potential risks