Confused by Umbrella companies and their insurance policies? With us, it’s simple - all Clipper workers are covered by Personal Accident Insurance as standard whilst on assignment.
Personal accident cover protects workers (and their wider families) in case of loss of earnings brought about by serious injury at their place of work. They would receive a payout in the event of a qualifying incident, which can be used to assist with dealing with the aftermath and consequences of an accident suffered whilst on assignment. Depending on the degree of harm caused, the percentage of the sum payable varies.
The sheer random nature of accidents catches people by surprise and can cause severe physical injury, permanent disabilities or even death. So of course, it can be an extremely distressing time for any worker, especially those on temporary contracts who may feel that help is not available if they are not permanently employed elsewhere.
That's where we can help.
What exactly is covered?
Under our policy, Accidental Bodily Injury, including (but not excluded to)
· Dislocations & fractures
· Loss of sight, hearing or speech
· Loss of limbs or loss of an organ
· Death (extending to aid towards funeral expenses)
Additional extensions including (not but excluded to)
· Psychological assistance
· Hospital transfer
· Rehabilitation expenses
· Emergency dental and optical expenses
· Childcare expenses
Who is covered?
Any worker registered and engaging with Clipper, who is working onshore here in the UK. It’s important to note that cover operates while the Insured Person is employed at their place of work and during the course of placement, excluding travel from home to place of work.
Furthermore, it is important to remember that this type of insurance won’t be activated if a worker becomes incapacitated through any other naturally occurring condition, including disease and sickness. Other exclusions include inflicting self-injury, pregnancy, injury due to the operative’s own criminal act and back strains due to lifting, turning or wrenching.
How do I claim?
To make a claim, please contact Sutton Winson Ltd on 02088919810 or email claims@swib.co.uk who will advise you on the next steps – all claims are dealt directly with them. For any other information or support, please contact us on 01305233170.
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