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.
Cover*
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: –
Benefits
- Prosthetic Limbs or false eyes
- Facial Scarring
- Fracture
- Hospitalisation
- Coma
- Post-Traumatic Stress Disorder
Expenses
- 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.
2 Source: NHS, Hospital Accident and Emergency Activity, 2019 – 2020
3 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.

“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
E: monica.king@mgamutual.com