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

Robert Rechtern

Head of Accident, Health, Sport and Contingency
Robert.Rechtern@lockton.com
+44 207 933 1674

General Inquiries

Get in touch

enquiries@uk.lockton.com

News and Insights

Lockton, the world’s largest independent insurance broker, is proud to announce two key senior promotions within its Crisis Management team. Helen Sandford has been appointed as Head of Special Crime and Freddie Schlesinger has been appointed as Head of Product Recall and Reputational Risk, effective 1st May 2024. They will both support the continued growth of the Crisis Management team, which includes War, Terrorism & Political Violence, Special Crime, and Product Recall & Reputational Risk under one roof. Helen and Freddie will report to Matt Humphries, Head of Crisis Management.Lockton announces senior promotions in Crisis Management team

Lockton announces senior promotions in Crisis Management team

article
Lockton, the world’s largest independent insurance broker, is proud to announce two key senior promotions within its Crisis Management team. Helen Sandford has been appointed as Head of Special Crime and Freddie Schlesinger has been appointed as Head of Produc ...
Read moreLockton announces senior promotions in Crisis Management team

Law firms: limiting liability in engagement letters

Most firms very wisely seek to limit their liability to clients in their engagement letters. It makes sense to do this so the firm and the client both know how much financial compensation might be available if things go wrong. But while limiting liability is good risk management practice, such clauses must be drafted carefully to be effective. Problems arise where the perceived losses are more than the limit of liability contained in the engagement letter. And if restrictions and exclusions are too onerous, they could be deemed unenforceable, leaving liability unrestricted. Most firms very wisely seek to limit their liability to clients in their engagement letters. It makes sense to do this so the firm and the client both know how much financial compensation might be available if things go wrong. But while limiting liability is good risk management practice, such clauses must be drafted carefully to be effective. Problems arise where the perceived losses are more than the limit of liability contained in the engagement letter. And if restrictions and exclusions are too onerous, they could be deemed unenforceable, leaving liability unrestricted.

Hydrogen vehicles and refuelling stations: property considerations

Increasing fuel costs and the ongoing need to reduce carbon emissions means that businesses continue to look at reducing their reliance on the fossil fuel internal combustion engine. Electric vehicles are at present the main contender, although hydrogen-based technology could provide another alternative for commercial vehicles. Hydrogen has been used for many decades in various industries and provides a high energy density fuel when burned, producing no greenhouse gases. However, hydrogen also presents several hazards and there are safety factors to consider when planning its storage and use. Increasing fuel costs and the ongoing need to reduce carbon emissions means that businesses continue to look at reducing their reliance on the fossil fuel internal combustion engine. Electric vehicles are at present the main contender, although hydrogen-based technology could provide another alternative for commercial vehicles. Hydrogen has been used for many decades in various industries and provides a high energy density fuel when burned, producing no greenhouse gases. However, hydrogen also presents several hazards and there are safety factors to consider when planning its storage and use.

Golden thread: BSA requirements create additional cyber exposure

The Building Safety Act 2022 and the associated Building (Higher-Risk Buildings Procedures) (England) Regulations 2023 introduced significant information retention requirements through their ‘golden thread’ provisions. These apply to buildings defined as ‘higher risk’ in the legislation. The golden thread comprises information to create a proper understanding of a building and consequently the steps needed to keep both the building and people safe. It is envisioned as a building’s ‘single source of truth’, and to avoid obsolescence and omission errors, it is not intended to be held across multiple sources or even duplicated (save back up). The legislation stipulates that the golden thread information must be held digitally, and to protect both personal information and the security of the building, it must be held securely.The Building Safety Act 2022 and the associated Building (Higher-Risk Buildings Procedures) (England) Regulations 2023 introduced significant information retention requirements through their ‘golden thread’ provisions. These apply to buildings defined as ‘higher risk’ in the legislation. The golden thread comprises information to create a proper understanding of a building and consequently the steps needed to keep both the building and people safe. It is envisioned as a building’s ‘single source of truth’, and to avoid obsolescence and omission errors, it is not intended to be held across multiple sources or even duplicated (save back up). The legislation stipulates that the golden thread information must be held digitally, and to protect both personal information and the security of the building, it must be held securely.
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