Learn more about Personal Accident Cover with Tennyson the charity insurance experts

Personal Accident cover can be arranged to protect your trustees, staff and volunteers. If a person covered by the policy were to suffer long term illness or injury through an incident or situation which happened while they were at work, Personal Accident cover will provide a financial payment to your organisation which may be used to cover their absence or assist them in their recovery.

Example

A member of staff suffers an accident while at work and this results in their being off work for three months. Personal Accident Insurance will make regular payments during the time that they are unable to work. Should the individual suffer a more serious injury or a permanent disability then a lump sum payment can be made.

Who might need Personal Accident Insurance?

Personal Accident cover should be considered by organisations which undertake activities where there is a risk of someone injuring themselves or being injured.

What does it cover?

Accidents and/or assaults while at work. This also includes personal effects consisting of money, articles of clothing or property worn or carried by the person when they are injured.

What does it not cover?

You won’t be covered if the person who has been injured was found to be intoxicated or using illegal drugs or deliberately exposing themselves to unnecessary danger. You will also not be covered in the event of a terrorist attack.

How much cover do I get?

It is up to you how much benefit you would like. A typical amount provide a £10,000 Capital Benefit and a £100 Weekly Benefit.

What might it cost?

This is determined by two factors: how many employees and volunteers that you have and the type of activities that they are undertaking.