Personal Accident Insurance

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SME Insurance

Personal Accident Insurance

Personal accident insurance is often added on to other business insurance policies to pay compensation in the event of accidental injury or death.

The insurance can pay out for things such as lost income, medical costs and hospitalisation. Those who work in high risk industries, where more accidents can happen, are most likely to be in need of personal accident insurance.

Different insurance providers will offer cover at differing levels and for different amounts. The actual maximum pay-out can vary depending on the type of injury suffered.

Who needs Personal Accident Insurance

There are a number of people who may be interested in personal accident cover. Those who work in particularly risky industries such as the construction industry, for example, often choose personal accident cover as an additional policy. It can also be useful for anyone who would struggle to make ends meet in the event they are unable to work after being involved in an accident and specifically useful for the self-employed.

Personal Accident Insurance for Business

Whilst personal accident insurance can help protect the individual in the face of injury or accidents, it can also help your business too. Should you worry that your business would struggle to operate without you if you were to suffer a serious injury or illness, personal accident cover can help support the business with pay-outs to help offset any loss in income. This can also protect from the same things happening to your key members of staff. Erskine Murray are a leading insurance broker, working with a wide range of insurance providers to put together the ideal business insurance products to suit your needs. Talk to us today about how personal accident insurance could be added to your insurance portfolio.

SME Insurance by Sector


Our package covers every single trade. Simple, effective and delivered by the same or following working day.


Erskine Murray can help wholesalers to find the appropriate insurance to manage the risks to your industry and provide the right protection for your business needs.

Civil Engineering

At Erskine Murray we understand the many risks associated with those involved with working at height, extreme depth and working with asbestos.

Contractors All Risk

Whilst all construction sites are different, there are still common risks and threats shared by them all.

Commercial Combined

With so many areas of risk to consider, we guide you through the process of selecting the cover that you require to protect your business.

Tradesman Insurance

With thousands of different trades in the UK, Erskine Murray can help tailor individual insurance products specific to your needs.

Who do I


If you would like to talk more about your SME Insurance needs please contact Rob.

Rob Marshall

Head of SME

Who do I


Rob Marshall

Head of SME

Employee Benefits

Have you considered an Employee Benefits package? Such a policy can help you attract and retain a highly skilled and dedicated workforce.

Professional Indemnity

Our PI arm are specialists in providing PI insurance for architects, consulting engineers and the construction industry.