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

Head of Special Crime and Accident and Health
helen.sandford@lockton.com
+44 20 7933 2346

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Christopher Evans

Broker, Accident and Health
christopher.evans@lockton.com
+44 7345 435 376

General Inquiries

Get in touch

enquiries@uk.lockton.com

News and Insights

The Management Liability (ML) Insurance market continues to favour clients. In most cases, premiums are either reducing or holding stable – a product of the ample capacity available for most risks. But with several insurers pointing to the arrival of the bottom of the market cycle, premiums could be set to edge upwards in the medium term. In the meantime, insurers are focused on defending their premium pool. To retain clients, they continue to seek ways to differentiate their offering. This includes broadening coverage, such as through “any one claim” limits, increasing sub-limits, removing or reducing the scope of additional restrictions, and offering Long Term Agreements (LTAs).Management Liability Market Update: Q3 2025

Management Liability Market Update: Q3 2025

article
The Management Liability (ML) Insurance market continues to favour clients. In most cases, premiums are either reducing or holding stable – a product of the ample capacity available for most risks. But with several insurers pointing to the arrival of the botto ...
Read moreManagement Liability Market Update: Q3 2025

Making a successful transition from artist to artist’s estate

Conversations about legacy can feel uncomfortable, but they are essential. Artists should begin discussing their estate – with both family members and experienced professionals – as early as possible to ensure a smooth transition. To build a robust legacy, the core elements of an estate must be assessed, including key insurance considerations. Conversations about legacy can feel uncomfortable, but they are essential. Artists should begin discussing their estate – with both family members and experienced professionals – as early as possible to ensure a smooth transition. To build a robust legacy, the core elements of an estate must be assessed, including key insurance considerations.

What is Professional Indemnity Insurance?

Every professional knows the feeling: a client pushing for tighter deadlines, the contract that’s just a little too heavy handed, or the nagging worry that a small oversight today could snowball into a costly dispute tomorrow. Even the most diligent work can be challenged – whether through allegations of negligence, contractual penalties, or claims that stretch far beyond what you thought you’d agreed. That’s where Professional Indemnity Insurance (PII) comes in. It acts as a safety net, stepping in when mistakes, misunderstandings, or disputes threaten to become financial or reputational crises. Whether protecting against defending spurious claims, or covering genuine errors, PII gives you the confidence to focus on your work. Below, we unpack how PII works in practice: including the scope of cover, exclusions, defence costs, and the important question of limits and excesses.Every professional knows the feeling: a client pushing for tighter deadlines, the contract that’s just a little too heavy handed, or the nagging worry that a small oversight today could snowball into a costly dispute tomorrow. Even the most diligent work can be challenged – whether through allegations of negligence, contractual penalties, or claims that stretch far beyond what you thought you’d agreed. That’s where Professional Indemnity Insurance (PII) comes in. It acts as a safety net, stepping in when mistakes, misunderstandings, or disputes threaten to become financial or reputational crises. Whether protecting against defending spurious claims, or covering genuine errors, PII gives you the confidence to focus on your work. Below, we unpack how PII works in practice: including the scope of cover, exclusions, defence costs, and the important question of limits and excesses.

Insurance for fintech start-ups made easy

Fintech is a fast moving, creative and transformational industry. Founders of start-ups enter the market with the goal of solving problems and simplifying financial transactions, in turn helping millions of businesses and consumers across the world. However, for new start-up companies, shifting from the technological landscape to navigating the world of insurance can often seem like a daunting experience. Fintech is a fast moving, creative and transformational industry. Founders of start-ups enter the market with the goal of solving problems and simplifying financial transactions, in turn helping millions of businesses and consumers across the world. However, for new start-up companies, shifting from the technological landscape to navigating the world of insurance can often seem like a daunting experience.
See all news and insights

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We bring creative thinking and an entrepreneurial spirit to the insurance business and are uniquely positioned to help you succeed.

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