Personal accident insurance

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Personal accident cover

What is personal accident insurance?

Personal accident (PA) insurance pays compensation for accidental injury or death. You can add it to your Simply Business insurance policy. Our personal accident insurance provides 24-hour protection, so it can pay out if you’re injured while you’re working or outside of work.

What does personal accident insurance cover?

Personal accident insurance covers serious injury or death caused by an accident. It can pay out for things like lost income, medical costs and hospitalisation benefit, up to the limit of the policy. The maximum amount is £10,000 for an injury and £20,000 for death.

Do I need personal accident insurance?

It’s up to you to decide whether you need personal accident cover. It can be useful for anyone, but is particularly popular with people who work in environments where accidents are more likely to occur, for example construction sites.

How much personal accident insurance do I need?

Simply Business offers a single level of personal accident cover, which offers up to £20,000 for death and up to £10,000 of cover for injury. The maximum injury payout you can actually receive depends on the type of injury suffered.

Is personal accident insurance necessary?

You may decide personal accident insurance is necessary for you because you work in a particularly risky environment, and/or because you would struggle to make ends meet if you were involved in an accident and were left unable to work. However, personal accident insurance can be useful for anyone.

Is personal accident insurance tax deductible?

Personal accident insurance is not tax deductible because it’s not strictly a business expense. 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.

Personal accident insurance from Simply Business

You can get a personal accident insurance quote from Simply Business by adding it to your business insurance when you’re choosing your cover types. Compare quotes and build your policy in a few easy steps.

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An example of a personal accident insurance claim

A carpenter is operating a large piece of woodworking machinery when he loses concentration and suffers a serious bodily injury. His personal accident cover pays an initial lump sum to him for the accident, and then a further £50 per night for a two night hospital stay as an inpatient. He has to take some time off work as a result of the accident, and he receives up to £200 per week from his personal accident insurance during his absence.

Personal accident insurance for the self-employed

Simply Business offers personal accident insurance for the self-employed. If you’re self-employed, personal accident insurance may be a particularly useful cover, as you may not have an income if you can’t work due to an accident.

Personal accident cover details

  • Simply Business can offer personal accident insurance whatever type of business you run.
  • We offer personal accident insurance for both individuals and groups, which means you can just cover yourself, or you can also cover your directors and/or your employees.
  • Personal accident insurance from Simply Business is available for sole traders, partnerships and limited companies.
  • This insurance won’t cover you for sickness. It’s designed to pay out in the event of a specific accident.
  • Personal injury cover can’t pay out if your business can’t operate because of a natural disaster like a fire or flood.
  • Consider business interruption insurance if you want to cover this risk.

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