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Standard cover if you or an employee is accidentally killed
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Included as standard with our public liability policy
Our standard cover is:
Accidental death insurance is automatically included with all Professional Saver policies, at no extra cost. This provides standard cover up to £10,000 – the maximum lump sum payout in the event of an accidental death to you or any staff member under age 70 while working.
This protects against financial instability for professional businesses in the tragic event of a fatal workplace accident. Losing a key team member can severely impact operations, so this insurance helps maintain business continuity.
Product liability and financial loss insurance is also included, and we provide up to £250,000 for legal expenses on top of a 24-hour legal helpline. Though all these covers are automatically part of any Professional Saver policy, you may want to add some further, optional protection. Professionals can benefit from professional indemnity insurance, which pays out if your business provides poor service or bad advice, resulting in legal action. Contact us to arrange a personalised insurance policy, offering your business all the protection it needs.
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Trusted for over 40 years We’ve been providing insurance to businesses since 1984
Financial Strength Insurance provided by a Standard & Poor’s ‘AA- Stable’ rated insurer
Our Professional Saver Insurance (Covea) has been independently rated 5 Stars by Defaqto – the highest possible rating, awarded to excellent products with a comprehensive range of features and benefits.
Accidental death cover provides a lump sum payment to the insured professional business in the event of accidental death of you as the business owner or any employees while conducting work.
This means if death occurs due to an accident like:
Your business receives a payout up to £10,000 towards covering financial instability in the aftermath.
Operating as an accountant, architect, consultant or other professional means site visits, client meetings and business travel are routine. Despite striving for maximum safety, accidents can happen anywhere.
Without protection, an accidental employee death could severely impact cashflow if a key bill payer dies. Business interruption is also likely if an important team member is suddenly no longer there to serve clients.
Accidental death insurance facilitates short-term financial stability with a lump sum payout, helping ensure professional operations can continue smoothly. It covers immediate costs like temp staff to fill gaps or revenue dips from missed consultations while new permanent personnel are hired.
This keeps your business afloat through an exceptionally difficult time.
Our automatic cover includes:
We can increase pay-out limits above £10,000 or add extra modules like funeral expenses based on your needs. Call us to get a quote tailored to your specific business.
If you rely on freelance consultants, self-employed contractors or temporary staff within your professional business, our accidental death cover can extend to these personnel too.
So whether an architect you contract for site surveys, lawyer you instruct for client disputes or virtual assistant helping with admin tasks suffers a fatal accident on the job, your business receives the lump sum pay-out – helping maintain stability across your entire professional services operation.
Speak to our team about extending accidental death protections across all personnel affiliated with your business in a contractor capacity.
As an add-on to your tailored accidental death insurance, key covers that help minimise business disruption from other incidents include:
With 20+ years experience covering UK SME professional service firms, you can trust Professional Saver to deliver reliable accidental death protection alongside other vital covers to fully insure your consultancy, surveying, architectural or other professional business.
Our key advantages are:
* Total number of live policies as of 31/10/2025
From only£55per year From only£55per year From only£55per year From only£55per year From only£55per year Professionals face hazards like falls conducting site surveys, traffic accidents travelling between meetings or electric shocks using testing equipment. If an accidental death occurs, the sudden loss of a key employee can severely financially impact consultancy businesses without protection.
We would cover accidental workplace incidents like:
Our accidental death insurance protects your employees worldwide when travelling for professional services work. So if for example, a surveyor died in an accident when meeting with an overseas client, your business would still receive the maximum £10,000 pay-out.
We cover accidents stemming from all standard business activities like:
Essentially, any accidental fatalities traceable to conducting core professional services operations would be covered, providing financial stability.
Yes, our accidental death cover can be extended to also protect contractors, consultants, freelancers and temporary workers who represent your professional services company while conducting business activities. This keeps your entire branded operation shielded.
