Employee Group Accident
With this cover you can either name specific people to be insured, or take a group policy covering all your employees. These people will be covered against accidental injuryBodily injury caused by accidental violent external and visible means that happens anywhere in the world and that (a) directly and independently of all other causes results in the insured persons death or disability within 24 months. (b) includes death or injury as a result of exposure, starvation and thirst. , disability Total disability means that the insured person is totally unable to continue their usual occupation or profession. Temporary total disability means that the insured person is totally unable to continue their usual occupation or profession for a period of more than 2 weeks but less than 21 months. or death.
We will pay benefits if someone disappears and after a year there is enough evidence to presume that the person has died.
This cover includes:
- If you lose one or both hands or feet
- If you lose sight in one or both eyes
- Total inability to move
- If you are injured and totally disabled
- If you lose a thumb
- If you lose a finger
- If you lose a toe
- If you lose hearing in one or both ears
- Temporary total disability
For a minimal extra monthly premium you can extend your cover to protect against damage caused by subsidenceSinking – ie the vertical downward movement of soil. It includes settlement, which is a lateral movement. ,landslipThe sliding down of a mass of land. It is, in effect, a small landslide, and typically occurs on a slope. and heaveThe upward movement of soil supporting the building..
Please note: you cannot take out a Group Accident policy unless you have first taken our Business Contents cover.
Here’s a handy List of Terms we use in Employee Group Accident cover, with their explanations.
All cover is subject to the policy terms, conditions and exclusions as stated in the Policy Wording, which you can read here.
You can read the General Section and General provisions here
Please always refer to your policy wording as the final and definitive document that specifies the details of your cover, including what is not covered.
BUSINESS EMPLOYEE GROUP ACCIDENT TERMS
Means bodily injury caused by accidental violent external and visible means that happens any where in the world and
(a) directly and independently of all other causes results in the insured persons death or disability within 24 months.
(b) includes death or injury as a result of exposure, starvation and thirst.
The person or member of the group of people noted in the declaration. The insured person must be you or an employee of yours.
Temporary total disability
Means that the insured person is totally unable to continue their usual occupation or profession for a period of more than two weeks but less than 21 months.
Means that the insured person is totally unable to continue their usual occupation or profession.
The person or company paying the premium for cover under this policy.
INSURANCE FOR MYSELF AND MY BELONGINGS
Our range of products will meet all your personal insurance requirements. You can also combine the products to get more inclusive cover for every aspect of your life.
Applying for cover is a streamlined, efficient process with the Infiniti Online system.
INSURANCE FOR BUSINESS
We have designed insurance products to cover all aspects of your business operations and risk.
No matter the size of your business, you’ll be able to get the specific insurance cover you need to protect you against loss and ensure that your business continues operating even when the unexpected occurs.
INSURANCE FOR MY MOTOR VEHICLE
Our motor insurance packages are designed to keep you on the road as simply and efficiently as possible. We offer insurance on all vehicles, covering personal and business use.
From accident insurance to third-party cover – it’s all easily available to you, right here, online.