Personal Accident
Personal accident insurance provides coverage for costs relating to injuries caused by accidents; these may be temporary or permanent injuries. For any business, this can have a big impact and personal accident insurance can provide the support needed at such a critical time.
There are several types of personal accident cover – group personal accident insurance can cover an entire management team; individual packages are more for small business owners and sole traders. We can design and arrange protection for a range of people, from the self-employed, business owners, sole traders, freelancers to high value sports stars and companies employing thousands of staff. The cover can include any combination of cover for death, injury and sickness.
Typical cover can include: –
Permanent disablement or death, whether the accident occurred at work or not
Injury that leaves an individual temporarily disabled and unable to work
Retraining of employees due to permanent injuries
Medical expenses
Funeral expenses, including costs to repatriate someone
Crew cover PA
In addition to the traditional coverages shown above, LMIS has also developed a special product devoted to ship’s crew and this is for death only claims. These claims would normally be covered under a Protection & Indemnity policy however, some ship owners or managers prefer to have this relatively inexpensive additional cover, so if a loss of life claim occurs, they can offer this payment to the crew’s family dependents as a gesture of goodwill from them. When loss of life instances happen, it can be a very emotional experience for all concerned, so this popular cover helps in this regard.
