Group Personal Accident Benefits

From unexpected accidents to serious injuries, we’re here to help you safeguard your team with smart, inclusive cover that shows you genuinely care.

Support that goes beyond the workplace

Accidents don’t just impact individuals – they disrupt lives, families, and businesses. With Group Personal Accident Insurance, you can provide immediate financial protection to employees and their loved ones in case of accidental death or injury.

It’s a simple, cost-effective way to deliver meaningful peace of mind and demonstrate your commitment to duty of care. Benefits are typically based on earnings (such as 3 x salary or a fixed lump sum) and can be fully tailored to your business and workforce.

Whether offered as a standalone policy or as part of a broader programme, this benefit helps you stand out in a competitive market.

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What’s included?

Robust protection that covers a wide range of situations:

Partial permanent disability
Medical expenses following an accident
Daily hospital cash or indemnity
Funeral or burial expenses
Additional indemnity while travelling
Fractures and serious burns (2nd or 3rd degree)
Unprovoked murder and assault
Natural disasters and peril
Riots, strikes, civil commotion, terrorism (included as standard – not an add-on)
Smoke inhalation, gas poisoning, drowning

Why it matters – for your business

Helps offset the financial impact of workplace accidents
Supports your talent attraction and retention efforts
Demonstrates genuine care and responsibility as an employer

Why it matters – for your people

Delivers a tax-free lump sum to families in the event of an accident
Most policies don’t require medical underwriting
Claims are handled efficiently by our dedicated in-house team
Offers peace of mind that someone has their back – always

How premiums are calculated

Premiums depend on the risk level of each job role, grouped into four occupation classes:

Class I – Office-based professionals with minimal risk (e.g. admin staff, managers)
Class II – Light manual workers or supervisory staff in industrial settings
Class III – Medium-risk roles involving manual work (e.g. drivers, carpenters, petrol station staff)
Class IV – High-risk jobs involving heavy manual labour or machinery use

We’ll work with you to assess your team and tailor a solution that fits your structure and budget.

Independent advice. People-first support.

Whether you’re setting this up for the first time or reviewing what you have in place, we’re here to help. Our consultants are experts in accident benefits—and even better at understanding what your people really need.

From scoping to claims, we’ll support you every step of the way.

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We’re ready when you are.

Let’s protect your people—and your business—with benefits that make a real impact.

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