MGAM Corporate Personal Accident Cover

Unfortunately, accidents both big and small can happen in the workplace, during the commute, or at home.


Key UK annual statistics

  • 6,000 people die in accidents in the home 1
  • 25 million turn up at accident and emergency departments seeking treatment 2
  • 693,000 working people sustain an injury at work according to the Labour Force Survey 3
  • 65,427 injuries to employees reported under RIDDOR 4
  • 38.8 million working days lost due to work-related illness and workplace injury 5
  • £16.2 billion estimated cost of injuries and ill health from current working conditions (2018/19) 6.

The challenges your clients face may be unique but, all are at risk of the loss or damage to their most precious assets – their staff. It is easy to overlook employees when it comes to protecting a company’s assets but, how would they react if something happened? What contingency plans do they have in place?


With Corporate Personal Accident Cover from MGAM, you can help your clients create a sustainable financial safety net which protects their businesses against the effects of staff absence caused by injuries following accidents.


The MGAM Corporate Personal Accident policy offers a flexible solution which takes the unique risks of your client’s business into account and safeguards them by offering comprehensive cover to provide financial support against injury, disability or death as a result of an accident.

Cover includes many additional standard benefits and expenses including: –


  • Prosthetic Limbs or false eyes
  • Facial Scarring
  • Fracture
  • Hospitalisation
  • Coma
  • Post-Traumatic Stress Disorder


  • Dental & Optical
  • Rehabilitation
  • Out-Patient
  • Funeral
  • Visiting & Commuting
  • Childcare & Domestic Staff

*Full details of cover can be found in the policy wording

Caring and fast claims service

At the heart of the MGAM Corporate Personal Accident policy lies a fair, caring, fast claims service.

At the moment of truth, when it comes to making a claim, you can be confident in our insurer partners long-term commitment to protecting your clients’ employees and their ability to deliver claims expertise and settlements in a prompt. and hassle-free way.

Key Points

Cover arranged with A-Rated carriers

  • A wide variety of trades considered
  • Wide policy wording
  • Worldwide cover for accidental bodily injury
  • Work in hazardous locations considered
  • Individual lives covered up to £500,000 and up to age 85
  • Flexible operative time: 24/7 or whilst performing occupational duties only including commuting
  • Cover can be purchased as a contractual benefit to provide monetary support to the employee, or to be retained in the business to cover the costs of finding and hiring a replacement.
1 Source: Royal Society for the Prevention of Accidents
2 Source: NHS, Hospital Accident and Emergency Activity, 2019 – 2020
Source: HSE Website Key figures for Great Britain 2019 – 2020
4 Source: HSE Website Key figures for Great Britain 2019 – 2020
5 Source: HSE Website Key figures for Great Britain 2019 – 2020
6 Source: HSE Website Key figures for Great Britain 2019 – 2020

In an increasingly at-risk world, help cover life’s hazards, because accidents happen.

MGAM – Here’s why

  • We are a Lloyd’s approved Coverholder.
  • Our technology led solutions put you in control by allowing you to quote, bind and issue documents at the press of a button.
  • You have the support of an experienced team of professionals ready to respond to referrals.
  • All our products are developed in collaboration with our partners and are designed with you in mind.
  • We constantly monitor emerging trends and are perfectly positioned to provide pioneering solutions.
Tower bridge at sunset

“Their quote & bind platform is user friendly, flexible and efficient.”

David Heeney, Underwriter, The Fiducia MGA Co Ltd.

For more information contact

Monica King Divisional Director UK SME

T: +44 (0) 203 946 9114
M: +44 (0)7585 809677