Personal Accident Insurance

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Personal Accident Insurance, also known as Accident insurance, provides an income if you are unable to work as the result of an accident. Available to almost all occupations, Personal Accident insurance is particularly popular with the construction industry as it provides an income after only 5 days inability to work as the result of an accident for the majority of construction occupations. [ Some higher risk construction occupations have a deferred period of 28 days]

The cover provided is 24 hour and not limited to work related accidents. All payments are tax free and the policy can be tailored to your exact needs.

Personal Accident Insurance is highly recommended for sole traders, business partners and company directors as their companies combined liability policy does not cover any injury caused to a sole trader/business partner while it is extremely difficult for a company director to sue his/her own company.

We can tailor a policy to your exact needs and our policies include a tax free monthly benefit, a lump sum [capital benefit] and hospital cash.

Consider the following examples where Personal Accident Insurance will provide cover:

You’re a self employed carpenter. You cut your hand and are unable to work for eight months. As you have Personal Accident cover you receive a tax free benefit of €1,500 after one month and continue to receive this amount until you return to work.


Although Personal Accident/Income Protection insurance is no substitute for full time earnings it will provide you with an income if you are unable to earn and it will reduce your financial worries at a time when your recovery should be your number one priority.


Payments are due after only 5 or 28 days depending on your exact occupation. The deferred period on most other personal accident policies is 8 weeks.

There are three distinct benefits to Personal Accident Insurance, namely:


Monthly Tax Free Income – The monthly tax free amount is paid after one month and you choose the duration that the benefit is payable for, 12, 18 or 24 Months.

Hospital Cash – You receive €50 cash for every night that you spend in hospital.

Capital Benefits – You receive a lump sum up to €150,000 depending on the nature of your injury.

Premiums start from as low as €200 Per Annum for most ‘Manual’ occupations including the vast majority of Construction & Manufacturing Trades.

LO-CALL US 1890 987 600 to discuss your needs.

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