Personal Accident & Sickness Insurance

Protect Your Employees and Business with Tailored Personal Accident & Sickness Insurance from DPI Insurance

Unexpected accidents or illness can have a significant impact on your employees and your business operations. Personal Accident & Sickness Insurance provides financial protection by covering income loss, medical costs or compensation in the event of accidents or long-term sickness. At DPI Insurance, we help businesses protect what matters most with specialist insurance designed to safeguard employees.

We work with underwriters who understand the unique requirements of your business, enabling us to recommend tailored policies designed specifically for your needs.

Our professional team of chartered insurance trained experts work closely with you to understand your risks and secure a policy that truly fits your business. Whether you require personal accident and illness cover in the UK or worldwide, or for a range of ages we’ll find comprehensive, competitive cover from a panel of A-rated insurers, specialist underwriting agencies and the Lloyd’s market to suit your needs.

Experienced businesses know that issues rarely arise when purchasing insurance, but when making a claim. DPI differentiates itself by conducting detailed fact-finds, delivering professional advice and arranging comprehensive policy wordings to suit all business’s needs. Our depth of knowledge ensures you are fully protected, not only at the point of purchase but, critically, when a claim occurs.

Why Your Business Needs Personal Accident & Sickness Insurance

Even the most carefully managed business can face unexpected events. Accidents or illness, whether at work or during personal time, can cause serious financial disruption. Personal Accident & Sickness insurance transfers those risks to an insurer — providing financial protection and peace of mind.

With DPI Insurance, you’ll benefit from:

• Tailored cover designed around your operations and risk profile
• Exclusive access to competitive personal accident & sickness insurance rates
• Expert guidance from brokers who understand personal accident & sickness insurance
• Dedicated claims support when you need it most

Personal accident & sickness insurance isn’t just a safety net — it’s an essential part of keeping your business running smoothly and safeguarding your employees.

What Does Personal Accident & Sickness Insurance Cover?

Every business is different. That’s why our brokers take time to understand your business — from the age of your staff, the work they carry to the indemnity limits required. We then recommend the appropriate covers to protect your personal accident and illness needs.

A comprehensive Personal Accident & Sickness Insurance policy may include:

• Compensation for injury or death caused by accidents
• Daily or monthly payments for employees unable to work due to sickness or accident
• Medical costs, rehabilitation and treatment support
• Optional coverage for temporary or permanent disability

What Happens if You Need to Make a Claim?

If the unexpected happens, our dedicated claims department is here to help you every step of the way. We know that a swift, fair settlement is vital to keeping your business on track.

When you contact us:

• We’ll listen carefully to understand your loss.
• We’ll liaise directly with your insurer to progress the claim efficiently.
• You’ll be kept updated throughout the process until resolution.

Call 0161 763 5277 (Option 3) or email claims@dpi-insurance.co.uk to start your claim.

How Much Does Personal Accident & Sickness Insurance Cost?

The cost of your insurance will depend on several factors, including:

• The type of work – manual work carries a higher risk than clerical roles.
• The number of staff and indemnity limits required
• The policy extensions and scope of cover required
• Your claims history and existing risk management measures.

At DPI Insurance, we use our strong relationships with major insurers to negotiate competitive premiums and preferential cover terms on your behalf. You’ll receive a policy that balances comprehensive protection with great value.