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Personal accident insurance

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Personal accident cover

What is personal accident insurance?

Personal accident (PA) insurance can give you a cash payout in case of death or bodily injury following an accident. You can add it to your 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 may also give you other benefits, like a weekly payment if you’re temporarily disabled, medical expenses if you have an accident, and an inpatient hospitalisation benefit.

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 places where accidents are more likely to happen – for example, building sites.

How much personal accident insurance do I need?

Simply Business offers a single level of personal accident cover. This can provide up to £20,000 for injury caused by an accident, and up to £40,000 for accidental death. The maximum injury payout you can receive depends on the type of injury you’ve suffered.

Is personal accident insurance necessary?

You may decide to get personal accident insurance because you work in a particularly risky environment, 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.

Cover from £6.82 a month, get insured in minutes. (10% of direct debit customers repay their annual policy in 10 monthly payments of £6.82 or less across all our trades insured. Based on data from 1 October 2019 - 31 March 2020, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)

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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 has an accident that causes a serious permanent injury. His personal accident cover pays him a lump sum for the accident, and a further £50 a night for a two-night hospital stay as an inpatient. He has to take some time off work because of the accident, and he receives up to £300 a week from his personal accident insurance during this time off, once he has been off for longer than two weeks.

Personal accident insurance for the self-employed

Simply Business offers personal accident insurance for the self-employed. If you work for yourself, 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.

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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 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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It is a very good and easy to use service. I've been a customer for several years and the renewal system is very straight forward. I've always found the quotes competitive too. I'd definitely recommend Simply Business.

R Matthews, Handyman

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Personal accident insurance

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© Copyright 2020 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.