Group Personal Accident Insurance provides a lump sum or weekly benefit if a covered person is injured, whether the injury happens at work or in their personal life. It's optional cover that can extend protection beyond what a statutory workers compensation scheme provides, or apply to people who aren't covered by that scheme at all, such as volunteers or contractors.

This is particularly useful for businesses with volunteers, working directors, or contractors who fall outside standard employee cover, as well as businesses wanting to top up the benefits available under their state's statutory scheme. We help you understand who needs to be covered and at what level.