Brokers: Group Personal Accident Insurance
Personal Accident Protection for People at Work and Beyond
Group Personal Accident Insurance provides financial protection for businesses when employees, directors, or other insured persons suffer accidental injury or death. It is a practical solution for employers looking to support their people and manage financial exposure following unexpected incidents.
Ratcliffes arranges Group Personal Accident cover for brokers through an efficient, broker-led process, supported by an online platform for managing quotes and policies.
What Is Group Personal Accident Insurance?
Group Personal Accident Insurance pays fixed benefits following accidental injury or death.
Cover is tailored to the client and structured around the selected operative time. Depending on the option chosen at quotation stage, cover may apply on a 24-hour basis, to occupational accidents only, or to occupational accidents including commuting, subject to policy terms.
Businesses commonly use this cover to provide reassurance to staff and to help meet financial commitments if an accident occurs.
Who The Cover Can Apply To
Group Personal Accident Insurance can be arranged for a wide range of insured persons, including:
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Directors and employees
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Clerical, supervisory, and manual workers
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Volunteers or committee members working on behalf of the business
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Consultants or specified individuals
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Sole traders or named persons
Cover can be structured by category, allowing different benefit levels to be applied to different groups within the same business.
Scope of Cover
Policies can be structured using either fixed benefit amounts or multiples of salary, depending on the needs of the business.
Cover can include, where selected:
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Accidental death
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Capital benefits for serious injury
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Permanent total disablement, including loss of limbs, sight, speech, or hearing
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Permanent disablement based on loss of use of limbs or body parts
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Temporary total disablement following an accident
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Temporary partial disablement following an accident
Benefit levels, payment periods, and deferment periods are selected at quotation stage, with premiums adjusting based on the structure and options chosen.
Cover Outside Work Activities
One of the key advantages of Group Personal Accident Insurance is flexibility.
If required, cover can extend beyond work-related activities to include accidents occurring outside work. This allows businesses to offer broader protection to insured persons, subject to policy terms and underwriting agreement.
How Brokers Access This Cover
Group Personal Accident Insurance is arranged through Ratcliffes using a structured broker-led process.
Once a broker company is set up, brokers can:
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Create draft quotes
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Issue confirmed quotations
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Arrange policies where instructed
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View a consolidated list of draft quotes, confirmed quotes, and issued policies for their broker company
This provides clear visibility of business placed through Ratcliffes and supports ongoing account management.
Why Brokers Work With Ratcliffes
By placing Group Personal Accident Insurance through Ratcliffes, brokers benefit from:
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Flexible cover structures suitable for a wide range of businesses
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The ability to apply different benefit levels by insured category
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A clear process for managing quotes and policies
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Access to underwriting support for non-standard or complex cases
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A platform that records draft quotes, confirmed quotes, and issued policies
Our approach is designed to support brokers, not replace them.
Frequently Asked Questions
Is this cover suitable for businesses of different sizes?
Yes. Group Personal Accident Insurance can be arranged for businesses of many sizes, from small companies and sole traders to larger organisations.
Can cover apply outside working hours?
Yes. Depending on the operative time selected, cover can be arranged on a 24-hour basis or limited to occupational accidents (with or without commuting), subject to policy terms.
Do all insured persons need the same benefit levels?
No. Benefit levels can be structured by category, allowing different groups within the business to have different levels of cover under the same policy.
How does Group Personal Accident Insurance differ from Employers’ Liability insurance?
Group Personal Accident Insurance pays a pre-agreed benefit directly if an insured person is injured or dies as a result of an accident. For example, if an employee suffers a serious injury and cannot work, the policy can pay a fixed lump sum or weekly benefit, regardless of who was at fault. Employers’ Liability insurance responds only if the employer is legally liable for the injury and a claim is made against the business.
Our client already has other business insurance. Why add Group Personal Accident cover?
Many business insurance policies focus on legal liability or property-related risks. Group Personal Accident Insurance provides defined benefits following accidental injury or death and is commonly used to complement other covers rather than replace them.
Why choose this Group Personal Accident cover through Ratcliffes?
This cover is designed to be highly flexible, allowing benefit structures, operative time, and insured categories to be tailored to each client’s needs. Brokers also benefit from a clear, broker-led platform to manage quotes and policies, with underwriting support available for more complex risks.
Next Steps
To discuss Group Personal Accident Insurance for your clients, please contact Ratcliffes using our enquiry form.
We will work with you to confirm suitability and arrange access to the platform for managing quotes and policies.