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Personal Accident Insurance
Personal Accident Insurance provides an income or benefit if you are unable to work as the result of an accident. The insurance can be on a 24 hour basis and not limited to work related accidents, but we can also provide cover that operates only during the working day, providing cover for work related accidents only. All benefit payments are tax free and the policy can be tailored to your exact needs.
Personal Accident Insurance is highly recommended for all organisations and employees. This insurance is open to all individuals including groups of employees/volunteers.
Employers tend to arrange this class of insurance for all or specified groups of employees in addition to the annual Employers Liability Insurance e.g. high risk category of employees – employees travelling on behalf of employer, employees who are at risk of assault because of the nature of their occupation and volunteers engaged by the employer.
Summary Of Cover
The policy cover provides specified benefits.
|Loss of eye(s)/limb(s)||€200,000|
|Permanent Total Disablement from usual occupation||€200,000|
|Temporary Total Disablement||€350 per wk (max period 104 wks)|
|Temporary Partial Disablement||€140 pr wk (max period 104weeks)|
Many of our clients find this cover useful where their employees have minor accidents and are seeking reimbursement of medical expenses. The injured employee would prefer not to sue their employer but at the same time have incurred expenses arising during the course of their employment and would like to be compensated.
- The weekly benefits may commence from the date the accident occured or may be deferred for a period of time e.g. 2, 4, 26 weeks. The premium reduces as the deferment period increases. Employers who pay their employees for a specified no of weeks whilst they are on sick leave may favour this option.
This is a brief summary of our Personal Accident Insurance Policy. For further information about this policy and our terms & conditions please contact us today.
Why Choose IPB Insurance?
- In today’s environment, it is crucial to ensure that your interests are protected by an insurance company that fully understands risk.
IPB Insurance is one of the leading general insurance providers in the Irish market.
With over 88 years experience in underwriting major property and liability risks, our underwriters and claims managers are among the most experienced in Ireland.
- We will tailor a policy to meet your exact business requirements.