Accident & Health Insurance

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

Our 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)
Any one
accumulation/event
Any one programme
Any one person
What sets us apart

- A leading Lloyd’s underwriter for coverholders and Managing General Underwriters (MGUs) throughout the world
- Accept business from Lloyd’s and non-Lloyd’s brokers
- Experienced team in managing facilities with business also accepted in the open market and by facultative reinsurance treaty
- In-house claims team or via third parties as appropriate
- Lead market across multiple Accident & Health lines
- Short term or multi-year options available
- Standard Lloyd’s wording or bespoke, including the ability to white label
- War, terrorism, and Nuclear, Biological, and Chemical (NBC) weapons can be included
- World-wide account
Speak to one of our specialist underwriters

















FAQs
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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.
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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.
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Yes, Accident & Health insurance can be customised. Canopius’ insurance specialists tailor policies to meet the specific needs of clients, including coverage for permanent disability, income replacement, or specific occupational risks. This flexibility ensures that both group and individual clients receive the most appropriate protection.
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Yes, Canopius offers coverage for high-risk occupations, including hazardous jobs such as security consultants in troubled areas or heavy manual labourers. High-risk personal accident insurance provides protection against accidents that may occur in these more dangerous environments.
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Accident & Health insurance benefits a wide range of clients, including corporate entities, affinity groups, and individuals. It is particularly suited for those in high-risk occupations, companies needing to insure key revenue earners, or businesses seeking to provide comprehensive accident protection for their employees. High-value policies can also be tailored for key persons within organisations or for specific business travel needs.