GROUP ACCIDENT & HEALTH BROKER FACTSHEET PEOPLESURE is Chubb’s group personal accident and travel policy for businesses. Chubb offers comprehensive and flexible group personal accident and business travel cover to suit your client’s needs. With multinational capability and 24/7 travel and medical assistance, PEOPLESURE responds quickly, providing benefit to the business and its employees when it’s needed most. Why do your clients need group personal accident and business travel insurance? • Around 5.2 million working days per year are lost due to injuries at work and 2.7 million people attend A&E following an injury at home* • A group personal accident policy will minimise the disruption to your client caused by a fatal accident or short and long-term employee absence • All employers have a legal duty of care to their employees. Group personal accident and travel insurance will demonstrate your client’s concern for the physical and mental well-being of their employees *HSE Statistics 2012/2013 Policy Offering Flexible cover for all employees of the business, or a select group such as directors or key managers, against: • Personal Accident Including disruption in the event of a sudden or long-term employee absence • Business Travel expenses Including cover following death, injury, illness or loss whilst travelling, and emergency medical expenses and repatriation Limits Personal Accident limits are selectable Business Travel limits include: • Unlimited medical expenses, repatriation and travel expenses (including accommodation and sustenance) • Unlimited Chubb Assistance, 24 hour support service • Up to £10,000 per person for travel disruption, personal property and money • £250,000 kidnap or extortion expenses (including consultants costs) Appetite We like to insure Most businesses with two or more directors, partners or employees. We particularly like: 4 Financial institutions 4 Law firms and other professional services 4 IT and telecommunication companies 4 Manufacturing companies 4 Chemical and pharmaceutical companies 4 Retail companies 4 Large construction companies 4 Large media and news companies 4 Local/national and multinational companies Why Choose Chubb? 4 Underwriting expertise. Chubb’s group personal accident and travel team is regarded as the best in the market, as recognised by the Underwriting Service Awards (2013, 2012) 4 Simplicity. Chubb makes it easy to do business, with access to highly skilled empowered technical underwriters and specialist relationship managers 4 Flexible cover. PEOPLESURE can offer many policy options to meet your client’s precise needs 4 Global network with local expertise. Chubb has specialist multinational insurance knowledge and can create a truly integrated global programme via its worldwide network 4 Award winning claims service. Chubb is consistently acknowledged for providing the best claim service in the market Key Selling Points Cover/ Service Benefit Flexible cover 4 PEOPLESURE can be personalised to suit your clients’ needs. Cover can be tailored to protect key people or extended to cover all employees. Options range from 24/7 protection, when at work including commuting, to any specific situation specified by your client. No need to establish negligence 4 Unlike a standard liability policy, negligence does not need to be established before a personal accident claim can be paid. This means PEOPLESURE can respond quickly, providing cover when it’s most needed. Significant lump sum payments for the business or its employees 4 PEOPLESURE provides significant injury benefits, payable to the business either for the benefit of the business or for its employees. Temporary total disablement benefit 4 Unlike some other insurers, PEOPLESURE provides temporary total disablement cover up to 100% of an employee’s gross weekly wage. Cover for replacing key people 4 Losing an employee can cause unforeseen disruption to your clients’ business. Chubb aims to minimise disruption by covering the cost of recruiting a temporary or permanent replacement employee. Cover for additional care 4 The return of an individual to work following a period of convalescence and rehabilitation may be accelerated if the right care is provided. In addition to the cover due for the accident, PEOPLESURE provides travel to work or hospital expenses, childcare and disability assistance expenses. Cover for emergency medical expenses and repatriation 4 Through an experienced team of medical staff trained in handling medical emergencies, PEOPLESURE covers the cost of emergency medical treatment and repatriation following injury or illness abroad. Chubb Assistance 24/7 4 The Chubb Assistance service provides expert travel services including medical assistance and repatriation and the payment of local hospital bills. Chubb Assistance will help with emergency travel arrangements, lost luggage or documents, provide security guides and advice and daily email security and safety alerts. Your clients will also have access to a pre-deployment report service providing a risk assessment for a given location. Cover following travel disruption 4 Many circumstances can cause travel disruption resulting in cancellation, curtailment, rearrangement or delay of a journey. With PEOPLESURE your clients can be assured they have the right level of cover to respond to such circumstances outside of their control or on the advice of the local government. Cover for guests, consultants, contractors and visitors 4 PEOPLESURE provides accident cover for your clients’ guests whilst they are on the premises as well as travel cover when they are on a trip organised by your clients. Cover for kidnap, ransom or extortion 4 Chubb covers kidnap or extortion expenses, including the costs of specialist consultants. PEOPLESURE provides access to the Ackerman Group, a retained crisis consultant specialising in kidnap, ransom and extortion. Cover for rental vehicle excess 4 PEOPLESURE covers the excess payable following loss, theft or damage of a rental vehicle during a journey. No fuss claims settlement 4 Chubb prides itself on paying claims quickly, often settling within 48 hours. This award winning service helps to mitigate costs and time affecting your clients’ bottom line. Also available • • PEOPLESURE@Chubb- Chubb’s online solution which provides brokers with the ability to obtain quotes and generate policy documents for the PEOPLESURE product. The system is simple and intuitive to use and requires minimal input. In recognition of the work you undertake, enhanced remuneration is paid on both new and renewal business. See the PEOPLESURE@Chubb Broker Factsheet for further information. Consumer solutions - In addition to our Group Personal Accident and Business Travel we also offer a wide range of insurance covers for affinity organisations and their members or affiliates. See the Consumer Solutions Broker Factsheet for further information. Case Studies Quick payment following fatal injury travelling to work An employee of a support services company was riding his motorcycle to work. He was struck by a vehicle from behind, resulting in him being catapulted over the car in front and into the back of a van. Multiple injuries led to his death. Medical emergency abroad The Chubb Advantage We made contact with the Coroner’s Office to obtain sufficient information to enable us to settle the claim quickly, prior to conclusion of the inquest. The claim was settled at £125,000 for death with an additional £5,000 dependants benefit. The Chubb Advantage An employee of a university was involved in a plane crash in Antigua. Remarkably, he was the only survivor and suffered a broken leg, arm and minor head injuries. Chubb Assistance was contacted and we guaranteed the medical bills and arranged repatriation of the claimant back to the UK. We also arranged for his father to fly out to be with him. The claim was settled at £35,000 for Medical, Repatriation and Foreign Travel Expenses and Foreign Hospital Confinement Benefit. Contact us London Jean Paul Broodbakker E: [email protected] T: +44 20 7956 5077 M: +44 791764 2236 South Hayden Langford E: [email protected] T: +44 20 7956 5139 M: +44 776660 1536 BEST FOR FINANCIAL STRENGTH A++ Superior AM Best’s highest rating for financial strength GROUP PERSONAL ACCIDENT & TRAVEL UNDERWRITING TEAM OF THE YEAR Underwriting Service Awards 2013, 2012 BEST OVERALL SERVICE Insurance Times Broker Survey Winner: 4 times in the last 5 years BEST QUALITY OF COVER Insurance Times Broker Survey Winner: 4 times in the last 5 years BEST CLAIM SERVICE Insurance Times Broker Survey Winner: 4 times in the last 5 years Midlands Debbie Pocock E: [email protected] T: +44 121 6342111 M: +44 785232 4421 North & Scotland Graham Wood E: [email protected] T: +44 113389 2457 M: +44 777163 8546 Over 92% of brokers rate Peoplesure as good or excellent for: • Quality of Cover • Clarity of Wording Broker Service Survey 2014 The Chubb Corporation is a Fortune 500 company chubb.com/uk 120 offices in 26 countries Choose certainty. Choose Chubb. Commercial | Financial Lines | Chubb 1882 at Lloyd’s | Accident & Health | Private Clients This information is descriptive only. The precise cover provided is subject to the terms and conditions of the policy as issued. For promotional purposes, ‘Chubb’ means member insurers of the Chubb Group of Insurance Companies. For the purposes of training and monitoring our service, some telephone calls may be recorded. CHUBB INSURANCE COMPANY OF EUROPE SE, a European company incorporated in England and Wales and registered under Company Number SE13. CHUBB MANAGING AGENT LTD, a company incorporated in England and Wales and registered under Company Number 7116876. Registered Offices: 106 Fenchurch Street, London EC3M 5NB, England. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. © Chubb Insurance Company of Europe SE 2013 F14 01/14
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