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.

— CRISIS MANAGEMENT

Accident & Health Insurance

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Protecting your people – and your business

Your people are your most valuable asset. Whether it’s a personal accident including death and disability, business travel accident, or loss of license, the impact can be significant - both for the individual and for your organisation. That’s where Accident and Health insurance comes in.

At Lockton, our dedicated Accident and Health team takes the time to understand your unique risks. We’ll design tailored insurance programmes that protect employees, contractors, and business travellers - giving you confidence that you have the right types of cover in place when the unexpected happens.

Accident and Health, Why choose Lockton for Accident and Health

Why choose us?

Specialist expertise

With decades of combined experience, we’re trusted by clients worldwide to place effective accident and health insurance programmes.

As an independent insurance broker, our loyalty is only to you. That’s why 94% of our clients choose to stay with us year after year.

We’ll design a programme that fits your workforce, industry, and level of cover requirements.

We work with clients across high-risk sectors and geographies, covering everyone from oil rig workers to Formula 1 drivers, engineers in conflict zones, and professionals travelling on business travel assignments.

If the worst happens - from an accidental death to a serious injury - our specialists manage even the most complex claims with speed, sensitivity, and care.

Who we support?

Our Accident and Health insurance programmes are designed for:

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Corporates and multinationals protecting large workforces

Specialist industries with high-risk roles

Individuals requiring bespoke accident and health insurance solutions

Organisations seeking comprehensive cover for employees, executives, and contractors

Our services

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

  • Accidental death

  • Disablement

  • Keyman

  • Term life

  • Critical illness

  • Contract protection

  • Loss of licence

  • Occupational and participant accident

  • Business travel and schemes

  • Medical expenses

  • Evacuation and repatriation

  • Credit card enhancement

  • Reinsurance programmes

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

Related Solutions

Learn more about our wider Crisis Management Solutions

Download Now
Crisis Management Brochure

Our Accident and Health FAQs

What is Accident and Health insurance?

Accident and Health insurance provides financial protection for individuals and businesses in the event of injury, illness, or death. Policies can include personal accident insurance, death and disablement, emergency medical and repatriation costs amongst others, tailored to your specific needs.

Yes. Life insurance only pays out in the event of death, whereas Accident and Health insurance covers a wider range of scenarios - such as accidental death, disability, or a sickness that affects your ability to work.

A serious incident can have major consequences for an organisation. With tailored accident and health insurance, you can cover key employees, reduce the financial impact of accidents or illness, and provide valuable support during business travel or high-risk assignments.

Yes, in some cases. Insurers may review your medical history when assessing cover levels for life or keyperson insurance. However, programmes can be designed to balance affordability with the right level of cover.

This type of cover is valuable for a wide range of clients, from corporates protecting global workforces to individuals in high-risk industries. It’s especially important for companies sending employees on business travel, or where accident or sickness could disrupt operations.

There’s no one-size-fits-all approach. Every business and individual has unique risks, so our Accident and Health insurance policies are designed to be bespoke and tailored. We work with you to understand your needs and build cover that fits your people, your industry, and your circumstances.