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:

• Death
• 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

Injury

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.

Insured person

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.

Total disability

Means that the insured person is totally unable to continue their usual occupation or profession.

You/your/yours

The person or company paying the premium for cover under this policy.