Group Personal Accident & Travel Insurance (GPAT)
Protect your directors & employees
Support your staff and keep your business running if an accident happens.
What is GPAT insurance?
Group Personal Accident & Travel insurance helps protect your directors and employees if they suffer an accident that causes death, disability, or loss of limbs or sight. It can also cover accidents that happen while travelling abroad, giving you peace of mind at work and on business trips.
The policy has two core parts. You can choose one or both, depending on your needs:
- Personal Accident Cover: pays a lump sum or weekly benefit if an insured person I injured and this leads to death within two years, or to a permanent or temporary disability.
- Business Travel Cover: provides benefits while travelling overseas.This includes medical and emergency travel expenses, repatriation, travel disruption, and loss, theft, or damage to business equipment and personal belongings.
This cover helps to support your team if accidents happen, wherever they occur, and gives your business the means to respond effectively.
Why do you need it?
Accidents can impact both your property and your people. GPAT financial support to your business, helping you manage the consequences and maintain continuity.
Key benefits include:
- Covering Employee Earnings During Absence: ensuring staff are paid while recovering from injury.
- Mitigating Business Interruption: reducing the impact of lost manpower on operations.
- Facilitating Replacement Staff Hiring: providing funds to bring in temporary or permanent replacements.
- Enhancing Employee Benefits: optional inclusion as part of staff benefit packages.
- Supporting Workplace Modifications: assisting with adjustments to accommodate employees returning from injury or disability.
This combination of support safeguards both your team and your business, helping you to plan and respond with confidence.
What does it cover?
You can arrange Group Personal Accident (GPA) cover for your employees in the following ways:
- While they are at work, including when traveling to and from work.
- 24/7 all year round including weekends and personal time.
Typical benefits include:
- Accidental Death
- Temporary Total Disability: if someone is unable to work full-time for a period; weekly benefit paid
- Temporary Partial Disability: if some is able to work partially; weekly benefit paid
- Permanent Total Disability: this includes loss of sight, limbs, hearing, or internal organs
- Paralysis
- Additional Covers include funeral expenses, cosmetic surgery, fractures, third-degree burns
Business Travel Extension covers directors and their immediate family during annual business or leisure trips. This includes:
- Medical and emergency expenses
- Trip cancellation
- Repatriation
- Lost, stolen, or damaged baggage
With GPAT, your business and employees are protected wherever they are. This helps ensure financial security, business continuity, and peace of mind when accidents happen. Guided by reason, not chance.
Not quite what you're looking for?
Please get in touch today if you’re looking for something more specialist, and our expert team will be able to help.
Insurance that reacts quickly when needed
Our dedicated account handlers provide fast, expert support, delivering coverage that responds immediately to incidents and minimises business disruption.
Speak to our TeamLloyd’s of London Broker
We are the only Lloyd’s of London broker solely dedicated to the moving, self-storage and international relocation industries.
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