Group Personal Accident

Group Personal Accident cover offers worldwide, 24/7 protection for your employees. It’s a valued part of an employee benefits package because it can offer some comfort at a time when employees and their families are worried and feeling vulnerable.
 

Howden’s expertise, footprint in the market and solid relationships with insurers means we can arrange insurance that fits your needs precisely, without paying too much. 

Policy highlights
Covers accidental medical, hospital income and mobility expenses

Insurance provides appropriate financial support for a variety of outcomes:

  • Accidental Death
  • Unprovoked Murder and Assault
  • Permanent and temporary disablement, including dismemberment
  • Funeral/Burial costs 

24/7 global cover

Wherever your people are, they are covered. 


Comprehensive coverage, for a broad ranges of scenarios 

You’ve covered for: natural disasters, motor accidents including motorcycles, disappearance, drowning, smoke/poison inhalation, food poisoning, animal bites (including dengue fever from mosquitoes) and more. Speak to your Howden broker for full details. 


Covers riots, strikes, civil commotion and terrorism 

Some policies have these scenarios excluded, with ours, they are included as standard.  
 

 
How are premiums calculated? 

Premiums are influenced by the danger levels associated with your job. 

Class 1 – very low hazard white-collar work

For example, office-bound workers.

Class 2 -  White collar worker, with additional risk factors

Examples would be traveling sales staff and people who do site visits. 

Class 3 – Industrial workers, skilled or semi-skilled 

This category also includes certain higher-risk jobs like petrol station attendant, taxi driver.

Class 4 – Industrial workers using heavy machinery / unskilled labourers

Other higher-risk roles in this category include policeman or firefighter.

Class 5 – Extremely hazardous roles

Some roles are even more dangerous than fighting fires. These cases need to be reviewed individually, in close detail, with premiums calculated on a case-by-case basis. Please call for details. 

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Why cyber insurance?

No matter how robust your IT security protocols are, they cannot prevent human error, and all it takes is for one person to make one mistake.

With businesses increasingly relying on technology to drive core objectives, the risk of losing money and data, or technology being denied or failing due to accidental or malicious interference has never been greater. Business leaders without a well-thought-out strategy around cyber protection are effectively gambling with all their funds to develop their business. Or depending on your cash reserves, your very survival.