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

General Inquiries

Get in touch

enquiries@uk.lockton.com

News and Insights

As part of a global push towards a decarbonised grid, renewable project developers and investors are navigating increasingly complex risks, often beyond what standard project planning and contractual counterparty negotiations can manage. Proactive risk framing and insurance partnership strategies can help project developers and investors to better manage uncertainty and make their assets more bankable and tradable.Why risk needs to be part of your renewable project narrative

Why risk needs to be part of your renewable project narrative

article
As part of a global push towards a decarbonised grid, renewable project developers and investors are navigating increasingly complex risks, often beyond what standard project planning and contractual counterparty negotiations can manage. Proactive risk framing ...
Read moreWhy risk needs to be part of your renewable project narrative

Lockton Surpasses $4B in FY2025 Revenue

Lockton surpasses $4.0B in FY2025 revenue, driven by industry-leading organic growth and relentless focus on client.Lockton surpasses $4.0B in FY2025 revenue, driven by industry-leading organic growth and relentless focus on client.

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.

Ensuring the right cargo cover amid tariff uncertainty

The recent US import tariff changes have created significant trade disruption in the cargo market: goods were expedited prior to expected tariff increases, or after the announcement, diverted to other destinations, or held in storage awaiting improved tariff conditions.The recent US import tariff changes have created significant trade disruption in the cargo market: goods were expedited prior to expected tariff increases, or after the announcement, diverted to other destinations, or held in storage awaiting improved tariff conditions.
See all news and insights

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