From loss of licence to critical illness of key employees, we provide tailored, reliable insurance and risk management solutions to protect both your people and your business. Lockton’s dedicated Accident and Health Insurance team takes the time to understand your unique needs, delivering reliable, tailored cover that responds effectively the moment you need it.

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Accident and Health

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Protecting your most important asset – your people

From loss of licence to critical illness of key employees, we provide tailored, reliable insurance and risk management solutions to protect both your people and your business. Lockton’s dedicated Accident and Health team takes the time to understand your unique needs, delivering reliable, tailored cover that responds effectively the moment you need it.

With over 100 years of combined insurance experience, our team is widely respected within the insurance market, allowing us to deliver the best possible cover for our clients. As an independent broker, our only focus is on our clients, which translates into industry-leading service and 96% of clients choosing to stay with us year after year.

Designing programmes for a wide range of corporates and individuals, we also provide accident and health programmes for specialist, high-risk occupations ranging from oil rig workers, to Formula 1 drivers, and engineers in trouble spots around the world. Our team has experience in handling complex and sensitive claims, bringing them to a speedy resolution.

Our services

  • Personal accident and health (individual and/or group schemes)

  • Disability

  • Accidental death

  • Keyman

  • Term life

  • Critical illness

  • Contract protection

  • Loss of licence

  • Healthcare

  • Occupational event – AIDS/HIV covers

  • Travel schemes

  • Medical

  • Evacuation and repatriation

  • Credit card enhancement

Looking for Specialty solutions?

Lockton Specialty London is a globally connected team of insurance experts extensively covering a diverse range of product lines and industry sectors. We provide flexible, bespoke solutions tailored to the needs of your client.

Specialty page

Our Accident and Health Insurance Team

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Helen Sandford

Vice President, Head of Special Crime (Kidnap and Ransom)
helen.sandford@lockton.com
+44 20 7933 2346

News and Insights

Lockton, the world’s largest independent insurance broker, is proud to sponsor The Revo’s Award ‘ESG Excellence’ category. Lockton sponsors The Revo’s 2025 ‘ESG Excellence’ award category

How AI is undermining your benefits strategy

Many SME organisations are integrating artificial intelligence (AI) tools within their employee benefits strategies. However, you must remain aware of the pitfalls associated with relying on AI to conduct HR-related tasks.Many SME organisations are integrating artificial intelligence (AI) tools within their employee benefits strategies. However, you must remain aware of the pitfalls associated with relying on AI to conduct HR-related tasks.

Construction professionals: how AI use can impact your PII

Artificial intelligence (AI) is transforming construction – driving efficiency, cutting costs, and accelerating project delivery. Yet with every new opportunity comes risk. Without proper oversight and robust risk management, AI tools can just as easily create liabilities as they can solve problems.
That’s why understanding the impact of AI on your Professional Indemnity Insurance (PII) is no longer optional – it’s essential.
Artificial intelligence (AI) is transforming construction – driving efficiency, cutting costs, and accelerating project delivery. Yet with every new opportunity comes risk. Without proper oversight and robust risk management, AI tools can just as easily create liabilities as they can solve problems.
That’s why understanding the impact of AI on your Professional Indemnity Insurance (PII) is no longer optional – it’s essential.

Lockton announces membership of RISCAuthority

Lockton is very proud to announce its membership of RISCAuthority. An annually funded research scheme administered by the Fire Protection Association (FPA), RISCAuthority has been the insurance focal point for research since 2001. Lockton is very proud to announce its membership of RISCAuthority. An annually funded research scheme administered by the Fire Protection Association (FPA), RISCAuthority has been the insurance focal point for research since 2001.
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