Personal accident cover provides a financial payment if an employee, volunteer or trustee is accidentally injured whilst carrying out their duties at your organisation. The accident may have been caused by something you aren’t responsible for, but the payment will help you cover their work, or compensate them.
Personal Accident insurance
Personal Accident cover for your not-for-profit
Personal Accident insurance provides a financial benefit should an employee, volunteer or trustee suffer accidental bodily injury whist carrying out their business duties. To make a claim on Personal Accident insurance, the cause of the accident would have to be sudden, unforeseen and an identifiable incident, such as an accident or assault.
You can tailor your level of cover and you can chose whether your organisation keeps the payments or passes the benefit onto the injured person. The value of the benefit will vary depending on the type of accidental injury suffered.
Payments may include:
- A lump sum payment in the event of accidental death or serious disabling injuries
- Regular weekly benefit payments for injuries that temporarily prevents the injured person from engaging in all or some of their business activities
Cover automatically includes additional cash payments for costs associated to the accidental injury such as hospitalisation benefit , childcare and domestic staff costs, dental injury expenses, physiotherapy and damage to personal effects.
Personal Accident insurance doesn’t cover any legal costs or compensation that your organisation might have to pay if you’re found legally responsible for causing the injury. It also doesn’t cover compensation claims made by members of the public, whereas Public Liability will. So it is important to consider Personal Accident alongside Public Liability cover, not instead of it.
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Why would we need this cover?
An example
Imagine if one of your volunteers was carrying a crate of food, tripped over their shoelaces and severely injured their arm. That injury would mean they’re temporarily unable to fulfil their duties. The Personal Accident cover would allow you to make a claim. It would provide regular payments to your organisation, either to cover compensation to the injured person, or to help you replace them while they’re out of action. Your organisation can choose how to use these payments.
For more information about our personal accident cover, or more details on our charity insurance, please feel free to contact one of our friendly experts on 0800 917 9420 or email enquiries.team@uk.zurich.com.
FAQs
What is the difference between Personal Accident Cover and Public Liability cover?
There are two main differences.
Personal Accident only covers people actively involved in your organisation such as volunteers, employees, trustees or directors, it does not provide cover for accidents caused to members of the public.
For Personal Accident claims, you do not have to be found to be at fault whereas for compensation claims made against Public Liability cover, it must be proven that your organisation is at fault and caused the accident to happen.
Yes, people aged 90 and over are excluded from the Personal accident cover. People aged over 75 years, cannot be covered for Temporary Disablement or Permanent Partial Disablement.
How much Personal Accident cover should our organisation have?
There are two things to consider when you’re deciding on the level of cover you need. Firstly, what would be the costs involved with replacing an employee or volunteer if they were out of action. Secondly, you need to work out what compensation you might like to award them whilst they’re unable to work.
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