Provides 24 hour, worldwide or occupational accidents only. Benefits are paid to the business to use how they choose :-

• Rehabilitation
• Sick pay
• Replacement staff
• Employee Perk

Consider how you would manage if a key member of staff was temporarily or permanently disabled. The following statistics show why this cover should be considered :-

• 23% of accidents occur at work
• You are 30 times more likely to be disabled than killed
• 1.6 million people are injured at work each year
• 3,650 deaths and 46,000 serious injuries occur on the roads each year
• 1 in 56 drivers will have a serious accident
• Driving over 25,000 miles per annum carries the same injury risk as coal mining
• 3 million people are hospitalised after injuries at home

Cover is relatively cheap compared to the benefits offered.