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Personal Accident

Personal Accident

We underwrite personal accident in respect of excess of loss (risk or catastrophe), proportional treaty (quota share or surplus) and facultative.

What we offer

Most lines of protection can be offered, particularly the following specialist lines: credit card, loss of license, travel, war & terrorism, key man, aviation, ships crew and pension fund protection.

Coverage Available

How can we help

We specialise in the following classes of Personal Accident:

Group PA or Group AD&D (basic, voluntary & business travel accident)
Key Man
Sports/Entertainment
Aviation
Ships Crew
Credit Card
Common Carrier
Pension Fund Protection
Excess Catastrophe Cover
Travel
Accident Medical
War Risks
Terrorism Risks

The Beazley Difference

BEING BOLD

Freedom lies in being bold. We dare to be different and seek bold possibilities to create more innovative, fair and satisfying outcomes for our clients, brokers and employees. From insuring the highest building in thea world, to the first commercial lunar vehicle to operate on the moon - we boldly go where others won’t.

STRIVING FOR BETTER

Good is a start, but we go all-out for better. A driven community of individuals relentlessly push the needle and creating value. From launching the market’s first dedicated ESG syndicate to the establishment of our business unit focusing on designing digital insurance solutions, we pride ourselves on always going above and beyond. Simply put, at Beazley we go to 11.

DOING THE RIGHT THING

Acting with integrity in a straightforward, decent way is instinctive. Open and honest with others, we show respect and empathy however challenging the situation – demonstrated by our multi-award winning claims team. Doing the right thing makes for a fair-minded, rewarding environment and makes work and life better for all.

Examples or Scenarios

PA Insurance: A high earning executive has purchased an Accidental Death policy with Beazley. The executive is later involved in a road traffic accident and is killed. The insurance policy would trigger and pay the insured sum to next of kin.
PA Reinsurance: An insurer purchases CAT reinsurance protection from Beazley on an excess of loss basis. The insurer is covering a group of employees insured for Accidental Death and Permanent & Total Disablement under their company group policy. A terrorist attack completely destroys the office, killing or permanently disabling many employees. The insurer’s excess of loss policy is triggered and they seek reimbursement above their excess from Beazley up to the total limit reinsured.