Occupational personal accident insurance
Helping you if you're unable to work due to a work-related injury from as little as £5 a month
Fast, easy online quote in just 90 seconds
Interest free direct debit
No hidden fees or cancellation charges
Cover starting at just £5 a month
Frequently asked questions
What kind of claims does occupational personal accident cover against?
Occupational personal accident covers a wide range of situations when you are injured at work or while travelling to and from work, including
- You are knocked off your bike while commuting to work, suffer a broken arm and are unable to work for 3 months. Occupational personal accident insurance pays you the weekly benefit stated in your policy (subject to a two week deferment period).
- You slip at work, suffer a serious injury to your leg and are unable to work for 6 months. Occupational personal accident insurance pays you the weekly benefit stated in your policy (subject to a two week deferment period).
- You are involved in a serious accident at work which results in you losing a limb. Occupational personal accident insurance pays the lump sum stated in your policy.
Do I need occupational personal accident insurance?
If you would struggle to maintain an income following a work-based accident which resulted in you being unable to work for a period of time, you should give consideration to occupational personal accident insurance.
It is particularly popular amongst contractors, consultants and other self-employed professionals that do not receive sick pay, as it can provide much-needed funds at a difficult time.
What limit of cover should I choose?
Give some thought to your current income, outgoings and savings, and whether you (and your dependents) would benefit from a weekly payment if you were unable to work suddenly.
We offer a range of limits from £100 per week to £400 per week for temporary total disablement, or lump sums of £25k to £100k for those that experience permanent total disablement. You can tailor your limit to suit your individual requirements, meaning you'll only pay for the cover you've chosen.
Why should I insure with Markel?
Established over 25 years ago, we've gained an unrivalled understanding of the risks facing contractors, consultants, freelancers and self-employed professionals, and our policies are specially designed to protect you.
We're regulated by the Financial Conduct Authority and Prudential Regulation Authority, and you can view our details on the Financial Services Register. We're a division of Markel International, a Lloyd's and London market insurer that wrote gross premiums of £850m ($1.05 billion) in 2016.
We're proud to have been named Claims Team of the Year at the Commercial Insurance Awards 2016. We know how much disruption a claim can bring to your life, which is why we aim to deal with all claims fairly and swiftly.
Still not sure? Call us on 0800 640 6600 - one of our insurance experts will be more than happy to answer any questions you have and talk you through the insurance we offer so you can choose the right cover for your business. Alternatively, get an online quote in 90 seconds now and call us later if anything needs clarifying.