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Personal accident insurance

Join over 98,000 businesses with personal accident cover from £2.52 per month*

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  • UK-based expert support, online and on the phone
  • Get covered and all your documents the same day
  • Compare tailored quotes to find the best presonal accident cover for you
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Rated 4.8/5

Based on 39,802 reviews

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Claims paid in 24 hours

For 80% of settled claims

What's on this page

  • Why is insurance important?
  • What does it cover?
  • How much does it cost?
  • How do I choose insurance?
  • How do claims work?
  • FAQs
  • Helpful articles

Why do you need personal accident insurance?

If you were in an accident and couldn’t work, what would happen to your income? It’s a big concern for SMEs and sole traders, but personal insurance like our accident cover is built as a backstop if something does happen. From common work accidents to death and serious injuries, compare what’s covered in a personal accident insurance policy.

  • personal accident insurance UK-based claims and customer service team
  • quotes start at £2.52 a month*
  • cover for anyone else at risk, at work or off-duty if they’re named on your policy

Start your quote

What does personal accident cover?

Personal accident and injury insurance is designed to give you and your dependants security, if you or anyone else you decide to cover is in an accident. This can be at work or elsewhere, and includes permanent total disablement, injury caused by violence, road traffic accidents, injuries caused by slips and spills, and death.

Accidental death

What does this cover?

Claims against your business for:

  • accidental death, of either you, a director or employee, if covered on the policy
  • death resulting from an accidental bodily injury
  • death occurring within 13 weeks of the accident date
  • a maximum amount of £40,000

When would I need to make a claim?

  • for example, you’re in a road traffic accident on the way to work and pass away a week later from your injuries

What isn’t covered?

  • death of anyone aged under 16 or over 75 at the date of the accident

Permanent total disablement (PTD)

What does this cover?

  • anyone covered on the policy who suffers a permanent total disablement
  • accidental injury which entirely prevents you from working in your usual occupation for the rest of your life
  • accidents resulting in quadriplegia, triplegia, hemiplegia, and paraplegia

**When would I need to make a claim? **

  • for example, your business partner – who you’ve covered on the policy – is injured while playing rugby and permanently disabled

What isn’t covered?

  • accidents where you or the insured person have taken drugs, unless according to the manufacturer’s instructions, or as prescribed by a doctor

Loss of limb(s)

What does this cover?

  • physical severance or permanent loss of use of one or more limbs

When would I need to make a claim?

  • for example, your employee – who you’ve covered on the policy – falls from a height while working on scaffolding, and loses the use of his right arm

What isn’t covered?

  • airborne activities, other than flying as a fare-paying passenger on a commercial flight

Sight and hearing loss

What does this cover?

  • sudden hearing loss in one or both ears
  • permanent loss of sight or hearing, from the time the accident occurred

When would I need to make a claim?

  • for example, you’re working on a building site and hear an extremely loud noise close-by, which results in sudden hearing loss

What isn’t covered?

  • accidents involving drugs or drugs for the treatment of addiction
  • gradual loss of sight or hearing, due to a long or short-term illness or condition

Bodily injury

What does this cover?

  • loss of use of an entire shoulder, elbow, hip, knee, wrist, ankle or fingers and toes
  • loss of entire spine (vertebral column), with no injury to the spinal cord
  • permanent, total, and irrecoverable loss of use or severance

When would I need to make a claim?

  • for example, a company director – who you’ve covered on the policy – falls down the office stairs, causing permanent damage to their right elbow

What isn’t covered?

  • injuries sustained while directly involved in an unlawful act, or a deliberate or reckless exposure to danger (except when attempting to avoid serious harm)


What does this cover?

  • displacement of one or more bones, at a joint which requires restoration by a doctor
  • dislocation of the spine, hip, patella, knee, ankle, shoulder, elbow, fingers, thumbs, toes, and other joints

When would I need to make a claim?

  • for example, your office manager – who you’ve covered on the policy – dislocates her shoulder while playing tennis

What isn’t covered?

  • any dislocation caused by pregnancy or childbirth

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does personal accident insurance cost?

We sell personal accident as an optional cover on our business insurance. Prices vary depending on your individual circumstances. You choose what goes into your policy, so you only pay for what you need.

Prices start from £2.52 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

Start your quote

How we work out example prices: Prices are based on payment over 12 months as of 17/11/2022 and are inclusive of Insurance Premium Tax (IPT). If you pay in a lump sum or by Direct Debit, extra fees may apply.

Example personal accident quotes, real prices

zurich insurance

£20.44 /month

£181.70 /year

A self-employed builder working on new or existing structures for residential properties only

  • 1-2 years' experience
  • Sole trader
  • No employees
  • Based in Leeds
  • Public liability


  • Employers’ liability

    Not included

  • Contract works

    Cover for 1 person

maltings insurance

£60.72 /month

£539.74 /year

A mobile food van specialising in functions and weddings

  • 5+ years' experience
  • Limited company
  • 1 employee
  • Based in Edinburgh
  • Public liability


  • Employers’ liability


  • Contract works

    Cover for 4 persons

How we work out example quotes These examples are real business insurance quotes including personal accident as an optional cover from our online system (created 15/06/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same day

Start your quote

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Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£39 million in claims paid out in 2022

Paying 80% of settled claims within 24 hours in 2022

The figure above is rounded across our range of products. "Settled" covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.

Example claim

Having personal accident cover through Simply Business has saved small business owners thousands of pounds when the unexpected happened.

Liz saved more than £10,400

Liz (not her real name) broke her ankle on a weekend run, and needs a metal plate fitted, with a cast for eight weeks. As a result, she won’t be able to attend site meetings or fulfil her usual role as a company director. The personal accident insurance in her business policy covered her hospitalisation costs and lost income.

  • Insurance payout


    Covering the cost of accidental injury

  • Liz’s costs


    The excess amount stated in Liz’s policy terms

Chosen by 800,000 small businesses and landlords

We started out as a team of five back in 2005. We’ve grown since then with 800,000 customers across 1,500 trades now trusting us to provide their business insurance.

  • Compare and buy in minutes

    Documents arrive today

  • Rated 4.8/5

    Based on 39,802 reviews

  • Here to help

    Help from UK-based experts

  • 24/7 claims

    Make a claim any time

Personal accident insurance FAQs

Whether you’re new to buying insurance or you’ve been operating your business for a while, here are the answers to some commonly asked questions about a personal accident insurance quote.

  • This type of cover is sometimes referred to as personal injury insurance. We offer it as an optional cover, designed to protect you against the financial costs of an accidental injury or death, from loss of income to medical expenses and hospital fees. You can add cover just for yourself, or name your employees, business partners, and other company directors on the policy.

  • This is a personal insurance, so whether you need it or not depends on your business type, your activities and hobbies, and how prepared you are to cover any lost income or medical costs, if an accident did happen. In general, certain individuals and sectors do use this cover more than others, including:

    • construction workers
    • delivery drivers and couriers
    • extreme or contact sportspeople

    UK self-employed people often don’t benefit from the same sick pay and security benefits as employed workers do, so personal accident insurance is one way to help cover your costs.

  • Personal accident insurance is not tax deductible because it’s not strictly a business expense – it’s connected to your work and income, but more of a personal insurance. Business insurance like professional indemnity, public liability and employers’ liability insurance are tax deductible, so you can subtract the cost from your income when calculating your taxable profit.

  • You can add a range of other important covers to your business insurance policy, all while keeping it simple with a single premium and a single renewal date. You might consider these covers:

  • Our personal accident insurance is designed to protect the policy holder, as well as any other people who are specifically named and covered under the policy. This could be another company director, a business partner or any of your employees. It’s worth bearing in mind that this cover is built for accidents, rather than injury or death by natural causes, such as disease or sickness.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

Helpful articles for personal accident insurance

Man typing on his laptop

2 July 2021 • 3-minute read

What's the difference between a sole trader and a limited company?

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