peoplesure personal accident & business travel insurance

PEOPLESURE PERSONAL ACCIDENT & BUSINESS
TRAVEL INSURANCE
Did you know...
At work...
• Around 5.2 million working days per year are lost due to injuries at work
• 175,000 injuries result in an absence of over 7 days
• An average of 181 employees are killed at work each year
On the road...
• Each week there’s an average of 34 deaths and 3,765 injuries on Britain’s roads
• A third of all fatal and serious injuries on the road involve somebody who is at work
at the time
At home...
• Around 2.7 million people attend A&E following an injury at home
• There are almost 4,000 fatalities every year caused by accidents in the home
Source: HSE -Health & Safety Statistics UK 2012/13, ROSPA – Reported Road Casualties in Great Britain 2012, RoSPA Home
Safety, RoSPA Leisure/Play Safety UK
Why purchase Group Personal Accident cover?
The key asset of any business is its employees. Although when it comes to considering insurance protection,
other insurances often take priority and protection for employees can be overlooked. With Group Personal
Accident cover, a business can minimise any interruption caused by a fatal accident or short and long-term
employee absence.
Group Personal Accident benefits are paid to the business for the benefit of the business or its employees. Consider the following:
How would a fatal or disabling injury of a valued employee have an impact on production and sales?
• Who incurs the cost of a temporary replacement?
• Who incurs the recruitment costs for a new permanent employee?
• How much would it cost to adapt the work place, home or car following a disabling injury?
Why purchase Group Personal Accident when there is already Employers Liability cover?
• Unlike a standard liability policy, negligence does not need to be established before a personal accident
claim can be paid. • Group Personal Accident benefits would usually be paid more quickly than under an Employers Liability
policy and the money could be used almost immediately.
• Quick benefit payments to an employee may prevent them pursuing an Employers Liability claim so this
could protect future claims related premium increases of the Employers Liability policy.
Will the Motor Fleet policy provide adequate Personal Accident cover if an employee is injured or killed in a
road traffic accident?
• Dependent on the circumstances there may be no benefit payable under a Motor Fleet policy. If the
accident involved no third party responsibility, then the policy may provide little or no Personal Accident
cover. A Group Personal Accident policy can include cover when travelling and commuting to and from
work.
Why include cover for Accidental Death when a Group Life Scheme is already in place?
• As benefits are paid to the business for the benefit of the business or its employees, Accidental Death
benefit under a Group Personal Accident policy may be used as business protection. • In situations where there could be multiple fatalities such as a road traffic accident where employees
could travel together, payment under Accidental Death cover may be used for pension fund protection.
• A Group Personal Accident policy from Chubb is flexible so a business may select reduced Accidental
Death cover or, if preferred, cover disabling injuries only.
Why consider Group Personal Accident cover as an Employee Benefit?
• Group Personal Accident provides a competitive remuneration package for employees at low cost to the business.
• A Group Personal Accident policy is a significant selling point in the recruitment and retention of staff.
• Purchasing cover for employees demonstrates the concern the business has for the physical and mental well-being of its
employees and their families. What if an employee suffered a serious accident at work and could never work again? How would
such a tragedy upset the morale of other employees if their colleague and dependants had no financial support?
Why Choose Chubb?
PEOPLESURE, Chubb’s Group Personal Accident and Business Travel policy, is flexible and can offer many cover options.
4 Over 92% of brokers rate PEOPLESURE as good or excellent for quality of cover and clarity of wording (Broker Service Survey, 2014).
4 Cover can be tailored to protect directors and key people or extended to cover all employees.
4 The policy can provide 24/7 protection or simply when at work including commuting.
4 It provides significant benefits for the more serious incidents such as accidental death or disability and can include temporary
absence from work.
4 PEOPLESURE automatically includes personnel replacement and recruitment costs, retraining expenses, disability assistance
expenses, funeral expenses, dental injury and hospital expenses.
Also available
• PEOPLESURE@Chubb - Chubb’s online solution which provides brokers with the ability to obtain quotes and generate policy documents for the PEOPLESURE product. The system is simple and intuitive to use and requires minimal input. In recognition of the work you undertake, enhanced remuneration is paid on both new and renewal business.
See the PEOPLESURE@Chubb Broker Factsheet for further information.
• Consumer Solutions - In addition to our Group Personal Accident and Business Travel we also offer a wide range of insurance covers for affinity organisations and their members or affiliates. See the Consumer Solutions Broker Factsheet for further information.
Contact us
London
Jean Paul Broodbakker
E: [email protected]
T: +44 20 7956 5077
M: +44 791764 2236
South
Hayden Langford
E: [email protected]
T: +44 20 7956 5139
M: +44 776660 1536
Midlands
Debbie Pocock
E: [email protected]
T: +44 121 6342111
M: +44 785232 4421
North & Scotland
Graham Wood
E: [email protected]
T: +44 113389 2457
M: +44 777163 8546
Group Personal Accident & Travel Underwriting Team of the Year
Underwriting Service Awards 2013, 2012
Post Magazine, 2012
chubb.com/uk
120 offices in 26 countries
Choose certainty. Choose Chubb.
Commercial | Financial Lines | Chubb 1882 at Lloyd’s |
Accident & Health | Private Clients
This information is descriptive only. The precise cover provided is subject to the terms and conditions of the policy as issued. For promotional purposes, ‘Chubb’ means member insurers of the Chubb Group of Insurance Companies. For the purposes of training and monitoring our service, some telephone calls may be recorded.
CHUBB INSURANCE COMPANY OF EUROPE SE, a European company incorporated in England and Wales and registered under Company Number SE13.
CHUBB MANAGING AGENT LTD, a company incorporated in England and Wales and registered under Company Number 7116876.
Registered Offices: 106 Fenchurch Street, London EC3M 5NB, England. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.
© Chubb Insurance Company of Europe SE 2013
F42 05/14