Group Personal Accident Insurance

Support when it is needed most.

Contact us

Life can change in an instant. A slip, a collision or an unexpected event can leave employees and their families vulnerable. Group Personal Accident Insurance gives them the financial protection they need during these moments, offering comfort and stability when it matters most.

This benefit strengthens your employee package with meaningful support for both minor injuries and serious accidents. It shows your people that you care about their wellbeing and that you are ready to stand by them through life’s challenges.

At Howden, we design accident coverage around your organization. We combine market insight with strong insurer relationships to build protection that fits your needs and your budget.

Policy highlights

Broad financial protection

Coverage typically includes:

  • Accidental death
  • Unprovoked murder and assault
  • Permanent or temporary disability, including dismemberment
  • Funeral and burial expenses

24/7 global coverage

Your employees are protected wherever they are in the world.

Comprehensive scenario coverage

Many real world events are included, such as:

  • Natural disasters
  • Motor accidents, including motorcycles
  • Disappearance, drowning, smoke or poison inhalation
  • Food poisoning and animal bites, excluding mosquitoes
  • Riots, strikes, civil commotion and terrorism

These are incidents that many standard policies do not cover.

alt=""

Technology driven convenience

Online portals and mobile apps

Employees can find accredited facilities, download documents and access their Letters of Authorization in advance to avoid delays.

Microchip health cards

Tap and go access to care, automatic approvals and faster processing help reduce stress during emergencies.

How premiums are calculated

Premiums depend on the level of risk associated with an employee’s role:

  • Class 1 – Low risk office based roles
  • Class 2 – White collar roles with moderate exposure such as sales staff and site visitors
  • Class 3 – Skilled or semi skilled industrial workers such as taxi drivers and gas station attendants
  • Class 4 – High risk industrial roles like heavy machinery operators, police officers and firefighters
  • Class 5 – Extremely hazardous roles assessed individually

Every business is different. Contact us for a detailed review and customized pricing.

Tailored protection with trusted expertise

Whether you are introducing Group Personal Accident Insurance for the first time or reviewing your current coverage, our consultants are here to help. We make sure your policy aligns with the needs of your workforce and provides meaningful protection without unnecessary cost. With Howden, you get coverage that is designed around your people and delivered with care.

Get in touch