What is occupational personal accident cover?
If you're injured as a result of an occupational accident and are unable to work, then there's a good chance you'll be looking at a significant financial loss.
With Kingsbridge's personal accident cover, you'll be paid a weekly benefit whilst you recuperate. Should your accident leave you with a permanent disability, or cause your death, then a lump sum will also be paid out.
As an employee you'd be looked after by the company you work for should you have an accident, but it's important to remember that as a contractor you may lose both your current contract as well any expected earnings if you cannot work, leaving you with no income.
Whether you're injured in your home office, commuting to work, or at work, either in the UK or abroad, personal accident cover will protect you. Here at Kingsbridge Contractor Insurance, personal accident cover is by far the most claimed on part of our policy. It can pay up to £2,000 a month, meaning you won't have to worry about those food bills, the mortgage, or any of the other things you might take for granted when you're working and earning money.
You can see exactly what you're covered for under the terms of your occupational personal accident cover over on our What's Included page.
Do you have any example claims?
A commissioning engineer fell and broke their arm at work, subsequently requiring several operations. They remained absent from work for the full 52 week payable limit. Their contract personal accident insurance cover paid weekly sum during this period in accordance with the terms agreed in the policy.
An engineering contractor fell off their bike on the way to work, fracturing their fifth right metacarpal. The contractor was covered by the terms of their personal accident insurance and the insurers made payment under the terms of the policy.
An electrical engineering contractor sadly fatally electrocuted himself when installing a machine. The insurers paid the accidental death benefit specified in the terms of their personal accident insurance cover to their next of kin.