Personal Accident Insurance

Personal accident insurance provides financial protection if an insured individual suffers an accidental injury, permanent disability, or death. It helps support employees and businesses by paying a lump sum or weekly benefit following a covered accident.

Personal accident insurance is suitable for businesses of all sizes, including employers, contractors, sole traders, and company directors. It is particularly valuable for businesses with employees working in higher-risk roles or environments.

Cover typically includes accidental death, permanent total or partial disability, temporary disablement, and sometimes additional benefits such as medical expenses. The level of cover depends on the policy terms and the needs of your business.

Exclusions may include illness, pre-existing medical conditions, or accidents occurring under the influence of drugs or alcohol. 

As your broker, our team of insurance specialists will explain all exclusions clearly before cover is arranged.

Employers’ liability insurance covers legal claims made by employees for workplace injuries caused by employer negligence. Personal accident insurance, on the other hand, pays benefits regardless of fault and can apply to accidents both at work and outside of work, depending on the policy.

Yes. Personal accident insurance is highly flexible and can be tailored based on your industry, workforce size, job roles, and level of risk. Our team at Pangea Insurance Brokers will help arrange a policy that meets your specific needs and budget.

If an accident occurs, a claim is submitted with supporting documentation such as medical reports. Our in-house claims team will guide you through the claims process and liaise with insurers on your behalf to ensure it is handled efficiently.