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.

— PRODUCTS AND SERVICES

Accident and Health

Get in touch (opens a new window)

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

Placeholder image

Lee Folkard

Broker
lee.folkard@lockton.com
+44 780 890 5906

Placeholder image

Francesca Ross

Vice President, Broker
francesca.ross@lockton.com
+44 788 480 9380

General Inquiries

Get in touch

enquiries@uk.lockton.com

News and Insights

Mid-life employees (ages 44-59) are likely to find their pensions impacted further than other generations, and a significant number may not have saved consistently enough for a comfortable retirement.How employers can support mid-lifers to build financial resilience

How employers can support mid-lifers to build financial resilience

article
Mid-life employees (ages 44-59) are likely to find their pensions impacted further than other generations, and a significant number may not have saved consistently enough for a comfortable retirement. The induced stress from this scenario could impair employe ...
Read moreHow employers can support mid-lifers to build financial resilience

Law firms: should you purchase a wills bank?

A wills bank is a centralised storage system for original wills and estate planning documents, often used by law firms to manage and safeguard clients' testamentary documents. Purchasing a wills bank can provide law firms with long-term client retention and business opportunities. However, it also comes with regulatory responsibilities under the Solicitors Regulation Authority (SRA) Code of Conduct and potential implications for your insurance. In this article we explore the advantages and disadvantages of purchasing a wills bank, the compliance and insurance risks to consider, and how risk mitigation can help you overcome some of the disadvantages detailed below.A wills bank is a centralised storage system for original wills and estate planning documents, often used by law firms to manage and safeguard clients' testamentary documents. Purchasing a wills bank can provide law firms with long-term client retention and business opportunities. However, it also comes with regulatory responsibilities under the Solicitors Regulation Authority (SRA) Code of Conduct and potential implications for your insurance. In this article we explore the advantages and disadvantages of purchasing a wills bank, the compliance and insurance risks to consider, and how risk mitigation can help you overcome some of the disadvantages detailed below.

Cyber-physical risk in the marine sector: a wake-up call from the MSC Antonia

The recent grounding of the MSC Antonia near the Eliza Shoals off Jeddah on 10 May 2025 has brought into sharp focus the real-world consequences of cyber-physical attacks in the maritime sector – and particularly within the MENA region. Analysis by respected maritime intelligence firms such as Pole Star Global and Windward indicate that the vessel's navigational systems were likely compromised by GPS jamming, leading to incorrect positioning data and ultimately to the grounding incident. This event underscores the growing cyber threat to vessel movement in the region – one with potential outcomes including groundings, collisions, and environmental harm. For MENA, where critical trade routes such as the Strait of Hormuz and the Suez Canal are lifelines of global commerce, the implications are particularly serious. Regional security dynamics, increased reliance on digital systems, and proximity to cyber-capable nation-state actors elevate both the frequency and severity of these risks. Despite this, in our work with marine clients across the Middle East and North Africa, we continue to observe a significant disconnect between emerging cyber threats and existing risk transfer arrangements. That gap must close before the next incident occurs. The recent grounding of the MSC Antonia near the Eliza Shoals off Jeddah on 10 May 2025 has brought into sharp focus the real-world consequences of cyber-physical attacks in the maritime sector – and particularly within the MENA region. Analysis by respected maritime intelligence firms such as Pole Star Global and Windward indicate that the vessel's navigational systems were likely compromised by GPS jamming, leading to incorrect positioning data and ultimately to the grounding incident. This event underscores the growing cyber threat to vessel movement in the region – one with potential outcomes including groundings, collisions, and environmental harm. For MENA, where critical trade routes such as the Strait of Hormuz and the Suez Canal are lifelines of global commerce, the implications are particularly serious. Regional security dynamics, increased reliance on digital systems, and proximity to cyber-capable nation-state actors elevate both the frequency and severity of these risks. Despite this, in our work with marine clients across the Middle East and North Africa, we continue to observe a significant disconnect between emerging cyber threats and existing risk transfer arrangements. That gap must close before the next incident occurs.

Law firms: unlocking the benefits of effective management

Recent years have seen a positive shift in the legal sector: from coping with stress, to making the workplace a better and more supportive place to work. But despite some signs of change, many firms continue to struggle when it comes to delivering effective management. Solving this problem can be hugely beneficial, not only helping to avoid stress among staff, but also mitigating people and compliance risks, and supporting efforts to attract and retain staff.Recent years have seen a positive shift in the legal sector: from coping with stress, to making the workplace a better and more supportive place to work. But despite some signs of change, many firms continue to struggle when it comes to delivering effective management. Solving this problem can be hugely beneficial, not only helping to avoid stress among staff, but also mitigating people and compliance risks, and supporting efforts to attract and retain staff.
See all news and insights

We're here to help

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

Talk to our team