Accident & Health Insurance

We write an international accident and health insurance account across a broad range of classes, protecting both groups and individuals in many parts of the world. Our accident and health insurance specialists cover a variety of trades and company sizes and a wide range of occupational classes; from pure white collar through to heavy blue collar workers such as security consultants in troubled areas and heavy manual workers.

What we do

  • Group and individual risks – optional Permanent Total Disability (PTD) benefits and weekly benefits including income replacement
  • Aviation – including loss of license
  • Sports disability
  • Medical expenses – incidental to personal accident/illness policies or on a standalone basis, including medical stop loss specific and aggregate coverage
  • High-risk personal accident – for hazardous occupations
  • Ship/yacht crew
  • Key person Accident and Health Insurance – high-value policies for key revenue earners in companies, partnerships or takeover targets
  • Occupational accident
  • Business travel (including illness while travelling)
  • Credit card
  • Facultative excess of loss and catastrophe excess of loss
  • Risk excess
  • Quota share and non-proportional treaty

Our Accident & Health Insurance specialists have the experience to recognise the diversity of different clients’ needs and have the technical ability and flexibility to tailor benefits accordingly. We work closely with Lloyd’s brokers to provide products appropriate to customers’ requirements.

Our Capacity (USD)

$50m Any one accumulation/event

$30m Any one programme

$10m Any one person

What sets us apart

  • Lead market across multiple Accident & Health lines
  • Worldwide account
  • War, terrorism and nuclear, biological, and chemical weapons (NBC) can be included
  • Short term or multi-year options available
  • Standard Lloyd’s wording or bespoke, including the ability to white label
  • A leading Lloyd’s underwriter for coverholders and MGUs throughout the world
  • Experienced team in managing facilities with business also accepted in the open market and by facultative reinsurance treaty
  • Accept business from Lloyd’s and non-Lloyd’s brokers
  • In-house claims team or via third parties as appropriate

Speak to one of our specialist underwriters – select from the regions below


What is Accident & Health Insurance?
Accident & Health Insurance is purchased by affinity groups or corporate entities to provide cover against accidental death, permanent/temporary disablement or medical expenses, in order to protect loss of earnings, incurred costs or to protect the company.

Is Accident & Health insurance the same as health insurance?
These insurance policies are similar in that they take care of your employees, but they provide coverage for different kinds of incidents. Health insurance commonly gives cover for employees when they are sick or injured. This type of insurance is often standard for businesses to give employees. Accident & Health insurance is typically a lump sum to support life-changing injuries.