Flexible Personal Accident and Business Travel Insurance to suit your individual requirements

Zurich offers comprehensive Personal Accident and Business Travel cover, with a flexible approach, which enables you to receive a product tailored to reflect the requirements of your business.

We can provide added peace of mind by resolving many of the uncertainties around local licensing and premium tax requirements in different countries through our Multinational Insurance Proposition (MIP). Our global network in over 170 countries consists of Zurich offices, subsidiaries as well as our hubs that manage our strategic partners who issue policies and manage associated claims with knowledge of the local market, customs, language, laws and regulations. So you can be confident that your insurance gives you the protection you expect it to.

Personal Accident

Protect your Employees, Protect your Business

Personal Accident Insurance protects you and one of your most important assets – your employees, who are pivotal to the success of your business. This insurance also offers you the opportunity to enhance your company’s employee benefit package.

The key features of the cover include:

• Accidental death and permanent disabling injuries. Unlike Employer’s Liability insurance, the sum insured is based on either a multiple of salary benefit or flat per capita amount determined by you plus liability or negligence does not have to be proven before a benefit payment can be made for accidental death or permanent disabling injuries.
• Additional payments for serious disabling injuries such as paraplegia and quadriplegia.
• Dependents’ benefit per child in the case of accidental death of the insured person
• Damage to personal effects such as clothing following unprovoked assault
• Funeral expenses
• An income replacement benefit, for example a weekly benefit following hospitalisation from a sporting injury
• Medical expenses as a result of bodily injury
• Retraining for an alternative occupation, when the injured employee cannot continue in their pre-accident employment.

Business Travel Insurance

Safeguard your employees’ welfare and your company’s interests when travelling on business

As global business opportunities result in an increase in business travel, it is even more important that your employees are protected and your business interests are secure during travel to both recognised and emerging markets.

Our comprehensive business travel policy protects your employees while travelling on business and includes emergency medical assistance provided by International SOS Assistance UK Limited. This incorporates a 24 hour helpline that is staffed by multi-lingual coordinators, providing peace of mind that there are medical experts a phone call away that can manage your medical assistance cases worldwide. International SOS Assistance UK Limited also has a dedicated website for Zurich policyholders with useful information such as country guides and security forecasts to help you plan your business travel.

The key features of cover include the following assistance related services:

• Payment for overseas hospital in-patient medical charges
• Air ambulance or scheduled airline services to provide repatriation
• Access to qualified medical staff who will ensure appropriate treatment is provided
• Travel advice such as visa details or health requirements

Additional cover included as standard includes:

• Emergency medical expenses for illness or bodily injury whilst on a journey
• Personal property and money cover to protect your employees’ possessions such as clothes and jewellery
• Cover against loss or damage to electronic business equipment such as laptops
• Cover if a business trip is cancelled or curtailed, and where a replacement employee is needed to complete the original purpose of the business trip
• Specialist services of skilled kidnap negotiators
• Political evacuation and natural disaster cover, for example where a country must be evacuated due to political instability
• Legal expenses in the pursuit of a claim against a third party for bodily injury or illness
• Personal liability cover, where your employee causes bodily injury or property damage