Group Personal Accident cover for your construction clients is often not included and sold rather than bought. Focus’ product for construction businesses is a straightforward offering with clearly defined benefits and an advantage to any business.

Having Personal Accident in force may preclude the need for injured employees to claim against the employer and the incident then being referred to the Employers Liability insurers. Simply, the PA could stand in front of the EL and keep claims experience down.

You can look at the defined benefits of our Personal Accident Facility by clicking here. Cover is for Occupational Accidents only and very competitively rated. For instance, for a firm with nine employees, the premium would be £315 plus IPT.

Like many add on products to the standard covers arranged for clients, it has to be competitive and give worthwhile benefits.