Group Personal Accident, Sickness and Business Travel


Key criteria

  • Personal Accident (with optional Sickness cover) and Business Travel can be purchased as individual covers or combined in a single policy
  • Weekly benefits cover for Sickness available, written in conjunction with an Annual Group Personal Accident policy
  • Can be purchased by all sizes of corporate clients to protect their businesses against the effects of unforeseen staff absence and costs associated with serious injury caused by accidents
  • All trades and occupations can be covered (excluding Armed Forces, Adult industries and Munitions)

Typical clients

All sizes of UK based companies, clients and organisations, ranging from multi-nationals to SMEs, through to small non-commercial organisations such as charities, trade unions and social clubs

Selling points

  • Self-service, online product available through our award-winning Fast Trade platform.
  • We can include Sickness within your PA policy
  • GPA Sickness and Business Travel "Essentials" - all the key covers provided without the policy extensions, resulting in 10% discount on the standard rating
  • Underwriting flexibility to consider more unusual risks e.g. High risk trades, ability to cover disturbed territories, Nuclear Chemical and Biological (Terrorism) to name but a few.
  • Individual lives covered up to £5m
  • Post Traumatic Stress Disorder of 50% of the TTD benefit for up to 13 weeks (max £500 per week) included
  • Visitors PA included as standard increase limit to £25K per person, £250k in the aggregate included
  • Accident medical expenses cover to 25% of the death & capital sums benefit included
  • Unlimited medical expenses on business travel, and Directors, partners and officers are covered for unaccompanied recreational travel, automatically
  • Cover provided for business trips within the UK with no need for an air flight or overnight stay
  • Premature childbirth is covered whilst journeying outside of the insured persons country of residence medical expenses and repatriation
  • Loss of internal organ covered under our personal accident
  • Damage to property covered, following assault
  • We can cover employees up to 85 years of age (65 years for sickness)
  • Loss of Sight in both eyes and Permanent Total Disablement by Paralysis as a result of Sickness both included

Service channels

Try the self-service product on our award-winning Fast Trade platform

Rapid Quote: fixed benefits and premiums, based on annual wage roll for Group Personal Accident and the number of journeys undertaken by the insured for Business Travel. Please download and complete the forms from the documents section and email to

To request copies of previous Group Personal Accident, Sickness and Business Travel policy documentation please send an e-mail to

Cross-sell products

Personal Accident and Business Travel covers can be provided for all businesses and trades.

The following are examples of where the covers support and compliment other classes:

  • Employers’ Liability: Personal Accident cover can reduce cost and frequency of EL losses
  • Marine and Haulage Risks Business Travel can cover drivers on overseas journeys, and includes cover for Baggage, Money and Medical Expenses.

It removes the need for individual policies to be purchased and prevents staff travelling without protection

For more information about Target Market statements please visitgroup personal accident and business travel.


Key documents - Group Personal Accident and Sickness

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All current documents

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Key documents - Business Travel

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All current documents

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We recognise the impact a claim can have on your customers, so we have a dedicated UK team of claims experts who offer a 2 day response to all new claims for GPA and Sickness.

Claims contacts and services

New claims

  • Notify new claims by e-mail, fax or post.
  • UK-based service.
  • Download a claim form now

Reported claims

  • Experienced and specialist claims handlers.
  • Access to a network of experts and therapists through an agreed programme to help your clients' employees back to work as quickly as possible.

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