Personal accident insurance
Join over 900k UK customers (including over 98,000 businesses with personal accident cover) – we offer public liability cover from £4.74*
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- Compare tailored quotes to find the best presonal accident cover for you
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Rated 4.8/5
Based on 39,800 reviews
Claims paid in 24 hours
For 80% of settled claims
Why do you need personal accident insurance?
If you were in an accident and couldn’t work, what would happen to your income? It’s a big concern for SMEs and sole traders, but personal insurance like our accident cover is built as a backstop if something does happen. From common work accidents to death and serious injuries, compare what’s covered in a personal accident insurance policy.
- personal accident insurance UK-based claims and customer service team
- quotes start at £2.52 a month*
- cover for anyone else at risk, at work or off-duty if they’re named on your policy
What does personal accident cover?
Personal accident and injury insurance is designed to give you and your dependants security, if you or anyone else you decide to cover is in an accident. This can be at work or elsewhere, and includes permanent total disablement, injury caused by violence, road traffic accidents, injuries caused by slips and spills, and death.
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does personal accident insurance cost?
We sell personal accident as an optional cover on our business insurance. Prices vary depending on your individual circumstances. You choose what goes into your policy, so you only pay for what you need.
Prices start from £4.74 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
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The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example personal accident quotes, real prices
![zurich insurance](https://www.simplybusiness.co.uk//wp-content/uploads/sites/3/2024/05/zurich.webp?w=98)
£20.44 /month
£181.70 /year
A self-employed builder working on new or existing structures for residential properties only
- 1-2 years’ experience
- Sole trader
- No employees
- Based in Leeds
Public liability
£1,000,000
Employers’ liability
Not included
Contract works
Cover for 1 person
![](https://www.simplybusiness.co.uk//wp-content/uploads/sites/3/2024/05/maltings.webp?w=100)
£60.72 /month
£539.74 /year
A mobile food van specialising in functions and weddings
- 5+ years’ experience
- Limited company
- 1 employee
- Based in Edinburgh
Public liability
£2,000,000
Employers’ liability
£10,000,000
Contract works
Cover for 4 persons
How we work out example quotes These examples are real business insurance quotes including personal accident as an optional cover from our online system (created 15/06/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
How it works
Pick what goes into your policy
Only pay for what you need
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Get your documents the same day
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Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm
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How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£51 million in claims paid out in 2023
83% of claims were settled in 2023.
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
Example claim
Having personal accident cover through Simply Business has saved small business owners thousands of pounds when the unexpected happened.
Liz saved more than £10,400
Liz (not her real name) broke her ankle on a weekend run, and needs a metal plate fitted, with a cast for eight weeks. As a result, she won’t be able to attend site meetings or fulfil her usual role as a company director. The personal accident insurance in her business policy covered her hospitalisation costs and lost income.
Insurance payout
£10,450.00
Covering the cost of accidental injury
Insurance payout
Covering the cost of accidental injury
Covering the cost of accidental injury
Chosen by nearly 1 million small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then, with nearly 1 million customers across 1,500 trades now trusting us to provide their business insurance.
Personal accident insurance FAQs
Whether you’re new to buying insurance or you’ve been operating your business for a while, here are the answers to some commonly asked questions about a personal accident insurance quote.
This type of cover is sometimes referred to as personal injury insurance. We offer it as an optional cover, designed to protect you against the financial costs of an accidental injury or death, from loss of income to medical expenses and hospital fees. You can add cover just for yourself, or name your employees, business partners, and other company directors on the policy.
This is a personal insurance, so whether you need it or not depends on your business type, your activities and hobbies, and how prepared you are to cover any lost income or medical costs, if an accident did happen. In general, certain individuals and sectors do use this cover more than others, including:
- construction workers
- delivery drivers and couriers
- extreme or contact sportspeople
UK self-employed people often don’t benefit from the same sick pay and security benefits as employed workers do, so personal accident insurance is one way to help cover your costs.
Personal accident insurance is not tax deductible because it’s not strictly a business expense – it’s connected to your work and income, but more of a personal insurance. Business insurance like professional indemnity, public liability and employers’ liability insurance are tax deductible, so you can subtract the cost from your income when calculating your taxable profit.
You can add a range of other important covers to your business insurance policy, all while keeping it simple with a single premium and a single renewal date. You might consider these covers:
- Commercial building insurance
- Business contents insurance
- Business equipment insurance
- Business interruption insurance
- Business legal insurance
- High risk insurance
- Laptop insurance
- Limited company insurance
- Office insurance
- Personal liability insurance
- Product liability insurance
- Professional liability insurance
- Professionals insurance
- Self employed insurance
- Sole trader insurance
- Stock insurance
- Third party liability insurance
- Tool insurance
Our personal accident insurance is designed to protect the policy holder, as well as any other people who are specifically named and covered under the policy. This could be another company director, a business partner or any of your employees. It’s worth bearing in mind that this cover is built for accidents, rather than injury or death by natural causes, such as disease or sickness.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions