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Protect your business if you or an employee suffer a permanent injury
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Get a QuoteOur standard cover is:
Whether you’re a freelancer, consultant or you run a small business, an unexpected serious injury or illness could be disastrous for both you and your business. If forced to take time off work, you may struggle to pay bills or lose clients without money coming in. Personal Accident Insurance provides a vital income buffer if unable to work.
Our policies pay out lump sum cash payments, covering lost income and allowing you to focus recovery without financial stress. We cover accidents worldwide 24/7, including traffic collisions, injuries from assaults, work accidents, falls and more. Protect yourself today.
Please note that personal accident insurance is an optional cover that you can add to your policy alongside cover for your public liability.
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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.
Personal Accident Insurance pays cash lump sums if you suffer serious injuries, illness or death in an accident. This could be at work or elsewhere. Payouts cover:
We cover accidents including:
With up to £200,000 of cover, our policies offer a vital buffer so accidents don’t jeopardise your livelihood.
Suffering a serious injury can severely impact your ability to work and lead your business. Without personal accident insurance, lost income and unforeseen costs can quickly build up.
Struggling with finances is the last thing you need while recovering. Our policies pay cash sums to cover:
This prevents accidents derailing your business during recovery/rehabilitation.
Unlike public liability, personal accident insurance is not an automatic cover, it is an optional extension under all Professional Saver policies.
Our Personal Accident Insurance policies offer comprehensive protection for both injuries and other losses stemming from accidents worldwide. We have designed our covers based on over 35 years’ of experience specialising in safeguarding professionals, tailoring features to your needs.
In the unfortunate event you suffer physical harm in an accident, our policies provide pay-outs for injuries including:
Our Personal Accident Insurance covers accidents occurring absolutely anywhere in the world. You’ll be fully protected whether accidents happen near home, while on holiday abroad or during temporary overseas work assignments.
We also cover accidents arising from terrorism, natural disasters or other catastrophic events wherever they occur around the globe when you are present in the location. The only territorial exclusion is cover within the United States and Canada.
Protection from our policies applies 24 hours a day, 7 days a week wherever you are. We do not apply restrictive conditions only covering accidents at work or those occurring during set work hours. You have round-the-clock protection.
We cover accidents both while working and during your personal and leisure time, providing complete peace of mind no matter where you are or what you are doing when injuries strike.
After accidents, we pay out cash lump sums directly to you rather than just covering specific costs. These tax-free sums are for you to allocate as required depending on the impact of injuries.
Pay-outs aim to cover your lost income while unable to work. The money can also help fund medical treatments, adjustments like home modifications, rehabilitation and other accident-related costs.
We offer Personal Accident Insurance on a standalone basis or as an optional add-on to complement other covers like Professional Indemnity and Public Liability Insurance.
With over 20 years’ experience covering UK professionals, you can trust Professional Saver to protect you. Our key advantages are:
Join the thousands of professionals we protect – get an instant quote online today or call us on 0800 121 8748 to discuss your requirements.
* Total number of live policies as of 31/10/2025
| Description | Benefit |
|---|---|
| Accidental Death | £50,000 |
| Permanent Total Disability | £100,000 |
| Quadriplegia | £200,000 |
| Paraplegia | £100,000 |
| Permanent loss of sight in both eyes | £50,000 |
| Permanent loss of use of two limbs | £50,000 |
| Permanent loss of sight in one eye | £25,000 |
| Permanent loss of use of one limb | £25,000 |
| Permanent loss of speech | £25,000 |
| Permanent loss of hearing in both ears | £25,000 |
| Permanent loss of hearing in one ear | £10,000 |
| Burns | £2,500 |
| Permanent loss of use of: | |
| A shoulder, elbow, hip, knee, thumb, wrist or ankle | £10,000 |
| Any finger or big toe | £5000 |
| Any other toe | £1000 |
| Hospitalisation: | |
| Hospitalisation (Maximum 45 days and after a minimum 24 hours) | £100 |
| Extended hospitalisation (for stays longer than 14 days) | £1000 |
| A major fracture of: | |
| Upper leg; vertebral body; Pelvis; Skull | £500 |
| Vertebra other than vertebral body; lower leg; lower jaw; breastbone; shoulder blade; kneecap; upper arm; lower arm | £250 |
| Lower leg; hand (metacarpals); foot (metatarsals); clavicle; coccyx; wrist (carpals) and Colles’ fracture ankle (tarsals) & Pott’s fracture | £100 |
| Dislocation of: | |
| Spine; back; hip | £250 |
| Knee; ankle; shoulder or collar bone; elbow; wrist | £100 |
| Any other joint | £50 |
In the event that you are unable to work as a result of accident or sickness, we will pay £250 Per Week or your gross weekly income — whichever is less, up to a maximum of 12 months.
Should the standard limits of cover not meet your requirements, please contact us to arrange a separate Personal Accident &/or Sickness policy.
Professionals rely on their skills to make a living, so a serious injury preventing work can be disastrous. Without income or savings, bills rapidly build up. Personal Accident Insurance provides payouts replacing lost income while recovering so you can focus on getting well without financial stress.
We cover accidents worldwide 24/7 including:
Essentially any sudden, unexpected injury occurring anywhere.
Our policies can be extended to cover contractors, freelancers and employees injured undertaking work for your business. This provides them a payout protecting your operations from disruption if they’re unable to work.
As well as Personal Accident Insurance, you can add:
We offer tailored, comprehensive protection.
We aim to assess valid claims within 5 working days before confirming with insurers. Once approved, insurers directly pay tax-free lump sums to you promptly. We have an expert claims team guiding you throughout.
Insurers mainly require medical evidence like confirmation of injuries, hospital discharge forms and doctor/specialist reports. We can advise exactly what is needed to ensure smooth claims.
Yes – we can arrange cover if you declare pre-existing conditions. Insurers may ask some health questions first before quoting though. Please get in touch for guidance specific to your circumstances.
Absolutely – we make it easy to adjust your level of protection as your professional career progresses. Higher salary/turnover = higher sums covered. We can arrange to increase cover seamlessly alongside your business growth.
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