Group Personal Accident Insurance 

Clements Worldwide has provided comprehensive coverage for accidents occurring on overseas assignments to individuals and organisations for more than six decades. Such an extensive experience in international insurance affords Clements the ability to deliver unsurpassed personal accident insurance coverage and global assistance to family members and loved ones, anywhere in the world.

Coverage starts at USD 100,000 and can be increased up to USD 1 million per person. By purchasing personal accident insurance, your beneficiary can receive a death benefit in the event of your accidental death during a business trip, vacation, or while going about daily life abroad. Policies can be written on a group or individual basis and include flexible coverage periods.

For a free quote, please click on the appropriate application below. If you need assistance completing the application or additional information on our programs, please call us at           +44(0) 33 0099 0103 or email enquiries@clements.com to discuss your organisation’s needs.

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  • Benefits & Features
  • Case Study

Benefits & Features

Clements Group Personal Accident insurance is underwritten by certain underwriters at Lloyd's and coverage includes: 

Accidental Death: Death of the insured resulting from an accident.

Accidental Death and Dismemberment Coverage: In the event of an accident resulting in loss of life, limb, or eyesight, the beneficiary receives up to the policy limit, and if necessary coverage could be increased for highly-compensated employees. This comprehensive coverage also extends to permanent total dismemberment or disability, which prevents the insured from obtaining any gainful employment after 12 months.

Temporary Disablement from an Accident: Accidental injury that temporarily prevents the insured from working. Amounts are available up to 100% of the employee’s weekly salary.

Medical Expenses/Hospitalization resulting from an Accident: Necessary hospitalization and recovery expenses incurred by an insured as a result of an accident.

Medical Evacuation: If adequate medical assistance is not immediately available, the insured will be evacuated to a suitable facility to receive appropriate medical treatment. In some cases, travel expenses will also be paid for repatriation to the employee’s home country.

24/7 Coverage:  Provides around-the-clock protection to the insured while they are on the job, on vacation, or at any other time abroad. Typical workers’ compensation coverage is applicable only during working hours, potentially leaving gaps in coverage throughout the duration of an assignment.

Flexible Policy Terms: Provides coverage options for both individuals and groups at competitive rates. Benefit types and amounts can be easily modified as circumstances may require.

War and Terrorism Coverage: Protects organisations with the right coverage against the risks of civil unrest, war, and acts of terrorism.

Case Study: International Development Organization Successfully Expands Business and Covers Employees in High-Risk Areas Through Clements Personal Accident & War Terrorism Policies

An international development organisation devoted to capacity-building in democracy and governance saw a peak in employee assignments to high-risk areas in Africa, Latin America, and Asia.

Faced with unique challenges and a variety of risks in each region, the organisation approached Clements Worldwide to provide them with comprehensive personal accident coverage for their employees in each region.

Clements obtained a personal accident insurance policy for the organisation that included a life insurance benefit of up to USD 100,000 per person, permanent total disability and temporary total disability benefit. In addition, Clements also provided the organisation with a war and terrorism extension that protected financial security of employees and their beneficiaries should an unfortunate event occur.

For a free quote, please click on the appropriate application below. If you need assistance completing the application or additional information on our programs, please call us at           +44(0) 33 0099 0103 or email enquiries@clements.com to discuss your organisation’s needs.