Group Personal Accident & Business Travel

Group Personal Accident & Business Travel

The most valuable asset of any business is its employees.

If one of your client’s employees is unable to work through accident or illness whilst on a business trip there may be a financial impact on their Company. This policy provides a simple solution to their Personal Accident and Business Travel needs.

To discuss your client's needs, please contact either:

Stuart Burt F.Inst.TT
01923 298 428
Richard Foster F.Inst.TT   
Senior Underwriter
01923 298 429

Laura Collett Cert CII
01923 298 427

Group Personal Accident

Coverage Limits

The following applies to all Directors and Employees of the Insured at any time (24 hours). An age limit applies of 80 years.

Sum Insured: Selected Multiple x Annual Salary
Limits up to a maximum of £1m per Insured Person

  1. Death
  2. Loss of two or more Limbs or both Eyes or one of each
    1. Loss of one Limb or Eye
    2. Permanent total loss of speech
    3. Permanent total loss of hearing in both ears
    4. Permanent total loss of hearing in one ear (0.25% x Annual Salary)
  3. Permanent Total Disablement (including Continental Scale)
  4. Temporary Total Disablement
    Up to 100% of the Weekly Salary, payable for a maximum of 104 weeks or a maximum of £1,000 per person per week.
  5. Temporary Partial Disablement
    Up to 50% of the Temporary Total Disablement Benefit, payable for a maximum of 104 weeks or a maximum of £500 per person per week.

Special Extensions

The following are included at no additional cost:

  • Accidental Medical Expenses
  • Bereavement Counselling
  • Catastrophe
  • Catastrophe Critical Response Counselling
  • Coma Benefit
  • Commuting Expenses
  • Corporate Hospitality
  • Counselling
  • Damage to Clothing and Baggage
  • Dental and Optical
  • Dependents Benefit
  • Disability Assistance
  • Domestic Assistance
  • Executor Expenses
  • Facial Disfigurement
  • Funeral Expenses
  • Hospitalisation
  • Hospital Visiting Expenses
  • Paralysis
  • Recruitment costs following suicide
  • Relocation Expenses
  • Retraining
  • Visitor Extension

Business Travel

Where cover is selected the following applies to all Directors and Employees of the Insured whilst on:

  • a business trip within Britain requiring a rail journey, a flight or an overnight stay, or
  • an overseas trip not exceeding 31 days duration.

Where a business trip extends to include incidental holiday, such cover is automatically included for all Directors and Employees. Free Holiday cover is included for Director’s and their accompanying Spouse and Child(ren).

Cover includes:


Baggage Insurance
Single Article Limit
 > Delayed Baggage
 > Loss of Keys
 > Business Equipment



      Money and Credit Cards Insurance
 > Cash Limit


  Cancellation Curtailment Replacement
Rearrangement and Change
of Itinerary Insurance
> Incident Limit



  Personal Accident


  Evacuation Insurance
 > Trauma Risk Management Counselling
 > Incident Limit



  Personal Liability Insurance


  Hijack, Kidnap and Detention Insurance



  Personal Security Specialist
Expenses Insurance


  Legal Expenses Insurance



  Travel Document Insurance


  Medical and Emergency Travel
Expenses Insurance
 > Funeral Expenses
 > Hospitalisation Benefit


  Travel Delay Insurance
 > Incident Limit

Client Profile

This insurance cover has been written specifically for businesses with a wage roll of up to £2,500,000 and who undertake up to 200 trips per year.

Broker Portal

­Request access to our online Broker Portal, a web-based trading tool that provides immediate quotes and renewal offers with no hassle. Find out more.

Why choose Touchstone Underwriting?

  1. We have a dedicated broker support team, on call whenever you need them.
  2. Our underwriters provide a quick, efficient and friendly service.
  3. Our commission rates and premiums are highly competitive.
  4. We don’t change policy fees.
  5. Our 24-hour free helpline offers legal advice and emergency assistance.
  6. We pride ourselves on our fast and efficient claims service.
  7. You can quote and bind most covers online and access contract-certain documents on your personal broker portal.