Personal Accident Insurance

Affordable Personal Accident Insurance for your Employees

Offer personal accident insurance as part of your benefits package and you’ll give your employees total peace of mind.

We specialise in bespoke personal accident insurance plans for businesses of all sizes. Whether you’re an SME with a small team of employees, or a large multinational with a huge workforce, we’ll tailor a personal accident insurance policy that will meet your employees’ needs, and your budget.

Because when you work with Capacity Insights, you’ll be a name, not a number. We’ll take the time to get to know you, your business, and your people. So you know that the cover you get will tick every box.

What is Personal Accident Insurance?

Personal accident insurance is also known as personal injury insurance. With this cover, your employees and their families will receive compensation if they suffer from an injury as a result of an accident. These policies can also pay out compensation if the accident leads to permanent disability, or death.

Individuals can take out personal accident insurance based on their unique risk profile. But businesses can also take out group personal accident insurance to cover all staff.


It can also be tailored to cover a group of people that share a similar risk profile. For example, all employees who work in a warehouse environment will experience similar on-the-job risks. So rather than creating a separate policy for each employee, a group personal accident insurance policy can cover the entire workforce.

Personal accident insurance policies will usually specify the injuries and outcomes that they cover. Work with us, and we’ll tailor your group personal accident insurance policy to cover the specific risks in your business or sector.

Our Personal Accident Insurance can include:

  • Accidental bodily injury, including temporary disablement, permanent injury, and death.
  • Related medical expenses, including emergency dental treatment.
  • Related admission to hospital as an inpatient.
  • Rehabilitation – covering ongoing physiotherapy expenses, for example.

Why Choose Capacity Insights?

Exceptional Customer Service

To some you may be just another entry in a database. To us, you’re an individual. We will place your employees’ unique needs at the heart of everything we deliver.

Whole of Workforce Solutions

Fully comprehensive products may not be suitable for every business, so we’ll take the time to get to know you and your people so we can find a product and price point that works for everyone.

Trusted Experts

We have more than 17 years’ experience, and we’re a Lloyd’s of London Coverholder with A-rated insurance capacity.
You can count on us to bring our best.

Data Science Drives Us

We draw from a wealth of data science insights. This gives us an advanced and constantly evolving understanding of employees, their needs, and what they want from their benefits.

Benefits of Group Personal Accident

Even the smallest of injuries can seriously affect an employee’s wellbeing. A serious injury can turn their life upside down. Suddenly, they could be faced with staggering medical bills, months or years of pain, and a long recovery that will interfere with their ability to work.

But offer personal accident insurance as an employee benefit, and you can be there for your people in their time of need. You can help them ensure that they’ll be able to cover their bills and other expenses, and that they receive the compensation they deserve.

You can also let your employees add their family members to their policy, including their children, their spouses, or their permanent partners. So you can help your employees take care of the people that matter most to them.

In short, group personal accident insurance policies show your employees that you care. So it’s the sort of valued employee benefit that will help you attract and retain a committed workforce of trusted and talented people.

Switching is Easy

Want to switch from your existing group personal accident insurance provider? We’ll make the switching process as fast and as straightforward as possible. We can also help you if you want to add more options to your existing personal accident insurance plan that your current providers can’t offer.

Choose Flexible, Simple and Affordable Group Personal Accident Insurance From Capacity Insights Today.

Whether you’re looking to invest in your first personal injury insurance plan, or you want to change or add to your current package, we’re here for you. Work with us and we’ll tailor a bespoke personal accident insurance package that truly meets your needs at a price you can afford.

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