GROUP ACCIDENT & HEALTH BROKER FACTSHEET

GROUP ACCIDENT & HEALTH
BROKER FACTSHEET
PEOPLESURE is Chubb’s group personal accident and
travel policy for businesses.
Chubb offers comprehensive and flexible group personal accident and business travel
cover to suit your client’s needs. With multinational capability and 24/7 travel and medical
assistance, PEOPLESURE responds quickly, providing benefit to the business and its
employees when it’s needed most.
Why do your
clients need
group personal
accident and
business travel
insurance?
• Around 5.2 million working days per year are lost due to injuries at work and 2.7
million people attend A&E following an injury at home*
• A group personal accident policy will minimise the disruption to your client caused by
a fatal accident or short and long-term employee absence
• All employers have a legal duty of care to their employees. Group personal accident
and travel insurance will demonstrate your client’s concern for the physical and
mental well-being of their employees
*HSE Statistics 2012/2013
Policy Offering
Flexible cover for all employees of the business, or a select group such as directors or
key managers, against:
• Personal Accident
Including disruption in the event of a sudden or long-term employee absence
• Business Travel expenses
Including cover following death, injury, illness or loss whilst travelling, and emergency
medical expenses and repatriation
Limits
Personal Accident limits are selectable
Business Travel limits include:
• Unlimited medical expenses, repatriation and travel expenses
(including accommodation and sustenance)
• Unlimited Chubb Assistance, 24 hour support service
• Up to £10,000 per person for travel disruption, personal property and money
• £250,000 kidnap or extortion expenses (including consultants costs)
Appetite
We like to insure
Most businesses with two or more directors, partners
or employees. We particularly like:
4 Financial institutions
4 Law firms and other professional services
4 IT and telecommunication companies
4 Manufacturing companies
4 Chemical and pharmaceutical companies
4 Retail companies
4 Large construction companies
4 Large media and news companies
4 Local/national and multinational companies
Why Choose Chubb?
4 Underwriting expertise. Chubb’s group personal accident and travel team is regarded as the best in the
market, as recognised by the Underwriting Service Awards (2013, 2012)
4 Simplicity. Chubb makes it easy to do business, with access to highly skilled empowered technical
underwriters and specialist relationship managers
4 Flexible cover. PEOPLESURE can offer many policy options to meet your client’s precise needs
4 Global network with local expertise. Chubb has specialist multinational insurance knowledge and can
create a truly integrated global programme via its worldwide network
4 Award winning claims service. Chubb is consistently acknowledged for providing the best claim service
in the market
Key Selling Points
Cover/ Service Benefit Flexible cover
4 PEOPLESURE can be personalised to suit your clients’ needs. Cover can be
tailored to protect key people or extended to cover all employees. Options range
from 24/7 protection, when at work including commuting, to any specific situation
specified by your client.
No need to establish negligence
4 Unlike a standard liability policy, negligence does not need to be established
before a personal accident claim can be paid. This means PEOPLESURE can
respond quickly, providing cover when it’s most needed.
Significant lump sum payments for
the business or its employees
4 PEOPLESURE provides significant injury benefits, payable to the business either
for the benefit of the business or for its employees.
Temporary total disablement benefit
4 Unlike some other insurers, PEOPLESURE provides temporary total disablement
cover up to 100% of an employee’s gross weekly wage.
Cover for replacing key people
4 Losing an employee can cause unforeseen disruption to your clients’ business.
Chubb aims to minimise disruption by covering the cost of recruiting a temporary
or permanent replacement employee.
Cover for additional care
4 The return of an individual to work following a period of convalescence and
rehabilitation may be accelerated if the right care is provided. In addition to the
cover due for the accident, PEOPLESURE provides travel to work or hospital
expenses, childcare and disability assistance expenses.
Cover for emergency medical
expenses and repatriation
4 Through an experienced team of medical staff trained in handling medical
emergencies, PEOPLESURE covers the cost of emergency medical treatment and
repatriation following injury or illness abroad.
Chubb Assistance 24/7
4 The Chubb Assistance service provides expert travel services including medical
assistance and repatriation and the payment of local hospital bills. Chubb
Assistance will help with emergency travel arrangements, lost luggage or
documents, provide security guides and advice and daily email security and safety
alerts. Your clients will also have access to a pre-deployment report service
providing a risk assessment for a given location.
Cover following travel disruption
4 Many circumstances can cause travel disruption resulting in cancellation,
curtailment, rearrangement or delay of a journey. With PEOPLESURE your
clients can be assured they have the right level of cover to respond to such
circumstances outside of their control or on the advice of the local government.
Cover for guests, consultants,
contractors and visitors
4 PEOPLESURE provides accident cover for your clients’ guests whilst they are on
the premises as well as travel cover when they are on a trip organised by your
clients.
Cover for kidnap, ransom or extortion
4 Chubb covers kidnap or extortion expenses, including the costs of specialist
consultants. PEOPLESURE provides access to the Ackerman Group, a retained
crisis consultant specialising in kidnap, ransom and extortion.
Cover for rental vehicle excess
4 PEOPLESURE covers the excess payable following loss, theft or damage of a
rental vehicle during a journey.
No fuss claims settlement
4 Chubb prides itself on paying claims quickly, often settling within 48 hours. This
award winning service helps to mitigate costs and time affecting your clients’
bottom line.
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.
Case Studies
Quick payment following fatal injury travelling to work
An employee of a support services company was riding his
motorcycle to work. He was struck by a vehicle from behind,
resulting in him being catapulted over the car in front and into the
back of a van. Multiple injuries led to his death.
Medical emergency abroad The Chubb Advantage We made contact with the Coroner’s Office to obtain
sufficient information to enable us to settle the claim
quickly, prior to conclusion of the inquest. The claim was
settled at £125,000 for death with an additional £5,000
dependants benefit.
The Chubb Advantage An employee of a university was involved in a plane crash in
Antigua. Remarkably, he was the only survivor and suffered a
broken leg, arm and minor head injuries.
Chubb Assistance was contacted and we guaranteed the
medical bills and arranged repatriation of the claimant
back to the UK. We also arranged for his father to fly
out to be with him. The claim was settled at £35,000 for
Medical, Repatriation and Foreign Travel Expenses and
Foreign Hospital Confinement Benefit.
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
BEST FOR FINANCIAL STRENGTH
A++ Superior
AM Best’s highest rating for financial strength
GROUP PERSONAL ACCIDENT & TRAVEL
UNDERWRITING TEAM OF THE YEAR
Underwriting Service Awards 2013, 2012
BEST OVERALL SERVICE
Insurance Times Broker Survey
Winner: 4 times in the last 5 years
BEST QUALITY OF COVER
Insurance Times Broker Survey
Winner: 4 times in the last 5 years
BEST CLAIM SERVICE
Insurance Times Broker Survey
Winner: 4 times in the last 5 years
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
Over 92% of brokers rate
Peoplesure as good or
excellent for:
• Quality of Cover
• Clarity of Wording
Broker Service Survey 2014
The Chubb Corporation is a
Fortune 500 company
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
F14 01/14