Group personal accident cover is extremely useful in the event of an employee being injured whether or not it is through their own negligence. Whilst you are not obliged to pay them anything, the spouse of a driver will often expect you to offer compensation as their partner was on company business.
The policy form is also useful in minimising the threat of an Employers Liability claim insofar that a form of indemnity can be made almost immediately, in the hope that an Employee will feel he has received a form of compensation.
This policy provides cover for Death, Loss of two or more limbs or both eyes or one of each, permanent total loss of speech, permanent total loss of hearing in both ears and permanent total disablement, temporary partial disablement and temporary total disablement.
Travel insurance can also be included within the policy for any trips that include an overnight stay. Travel insurance will provide cover for baggage, travel documents, money, travel delay, personal liability, medical expenses, repatriation and emergency travel expenses, evacuation, hijack kidnap & detention and cancellation curtailment replacement rearrangement and change of itinerary.