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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Lee Folkard

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

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Francesca Ross

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

News and Insights

During the first half of 2025, the UK cyber insurance market has remained positive for clients. In the past quarter, premiums across our portfolio have decreased by an average of 12% year over-year.Cyber Market Update: Q2 2025

Providence v Hexagon: JCT contracts, strict interpretation and implications for PII

The relatively recent Court of Appeal decision of Providence Building Services Ltd v Hexagon Housing Association Ltd (2024) sets out a strict interpretation of the termination provisions within JCT Design and Build Contracts. The decision may have commercial implications for employers utilising this standard form. More broadly, it highlights the court’s approach of strict interpretation of contracts between commercial parties. Construction professionals must be aware of this when signing up to their appointments, collateral warranties, and letters of reliance.The relatively recent Court of Appeal decision of Providence Building Services Ltd v Hexagon Housing Association Ltd (2024) sets out a strict interpretation of the termination provisions within JCT Design and Build Contracts. The decision may have commercial implications for employers utilising this standard form. More broadly, it highlights the court’s approach of strict interpretation of contracts between commercial parties. Construction professionals must be aware of this when signing up to their appointments, collateral warranties, and letters of reliance.

Lockton and Lockton Re sponsor Dive In Festival

Lockton and Lockton Re are proud to sponsor the Dive In Festival, a global initiative to support the development of inclusive workplace cultures in the insurance industry. It’s a key priority for us to create an environment where our talent can thrive. Our Associates are our most valuable assets, and they are at their best when they can be authentic in the workplace.Lockton and Lockton Re are proud to sponsor the Dive In Festival, a global initiative to support the development of inclusive workplace cultures in the insurance industry. It’s a key priority for us to create an environment where our talent can thrive. Our Associates are our most valuable assets, and they are at their best when they can be authentic in the workplace.

7 key insurance considerations when travelling abroad

Luxury travel has boomed in recent years, as holidaymakers set their sights on ever-more adventurous holidays in far-flung, untouched destinations. But whether it’s a weekend getaway, or the trip of a lifetime, it’s vital to consider whether you’re properly insured.

As our experts explain, taking the time to review your cover before you travel can save you time and stress later down the line.Luxury travel has boomed in recent years, as holidaymakers set their sights on ever-more adventurous holidays in far-flung, untouched destinations. But whether it’s a weekend getaway, or the trip of a lifetime, it’s vital to consider whether you’re properly insured.

As our experts explain, taking the time to review your cover before you travel can save you time and stress later down the line.
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