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.
Your people keep your business running. A personal accident (including death and disability), a business travel accident or the loss of a licence can hit hard, both for the person involved and for your organisation. Accident and Health insurance is there to help.
Our Accident and Health team will work with you to learn about the risks you face. Together we can build tailored insurance programmes for employees, contractors and business travellers, so you can feel confident the right cover is in place if something unexpected happens.
Why choose us?
Specialist expertise
Our team brings decades of combined experience, and clients around the world trust us to arrange accident and health insurance programmes that work.
Client-first focus
We are an independent insurance broker, so we work for you and no one else. Each year, 94% of our clients stay with us
Tailored protection
We can shape a programme around your workforce, your industry and the level of cover you need.
Global reach
Our clients work in high-risk sectors and regions around the world. They include oil rig crews, Formula 1 drivers, engineers working in conflict zones and professionals on business travel assignments.
Claims expertise
When the worst happens, whether an accidental death or a serious injury, our team handles even complex claims promptly, sensitively and with care.
Who we support?
Our programmes are built 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)
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.
Do I need Accident and Health insurance if I already have life insurance?
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.
How does Accident and Health insurance protect my business?
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.
Does my medical history affect Accident and Health insurance?
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.
Who typically needs Accident and Health insurance?
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.
How do I choose the right Accident and Health insurance policy?
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.
