Rigby Financial

Accident Insurance

Have you ever thought about what might happen if a member of your staff were unable to work due to sickness or an accident? How would they support themselves financially? What costs and bills would they incur as a result?

What is a Group Personal Accident Insurance policy?

Group Personal Accident and Sickness Insurance (PAS) from Rigby Financial can help your business if one of your employees falls ill or can not work. Rather than individuals covering themselves with one policy, Group Personal Accident Insurance covers everyone under the same policy. You can still arrange a policy for a single person, such as you as the business owner, or any other individual within your company.

The type of Group Personal Accident cover can be a separate policy or can be attached to an existing cover such as a household, motor, travel or commercial insurance policy. We can help to arrange a policy that meets your needs and requirements. There are several PAS policies available, each with their own benefits and key features.

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    What does a Group Personal Accident Insurance policy cover?

    A Group PAS policy can cover:

    • death;
    • permanent disablement;
    • loss of an eye;
    • loss of a leg, foot or toe;
    • loss of an arm, hand, finger or thumb; and other specified injuries or accidents.

    Group Personal Accident policies can also usually have three additional benefits:

    • When it comes to medical expenses, through your Group Personal Accident Insurance cover you can often claim back a pre-stated percentage of costs incurred as a result of an accident.
    • Unable to work due to illness or an accident? With Group Accident Cover there will usually be a short-deferred period (e.g. four weeks) during which no benefit is payable. There will also be a maximum number of weeks benefit is payable, perhaps 26, 52 or 104 weeks. The benefit will probably be a fixed sum not related to earnings.
    • Some Group Personal Accident and Sickness policies extend cover to a spouse or the children of the claimant (up to age 16 or 18), although this could be restricted to accident cover only.

    Group Personal Accident Insurance can be obtained to guard against the financial effects of the loss of your employee’s services if they suffer an accident. The policy is in place to assist your business with recruiting and then training new members of staff should you choose to bring in temporary replacements for while your employee is recovering from an accident.

    As always, if you require further information about any of the policies or types of group personal insurance cover we offer, please get in touch with one of our experienced IFA’s here at Rigby Financial.

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