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Personal accident and Business travel

At Zurich, our Personal Accident & Business Travel proposition draws on our rich heritage, as an established and truly global insurer, to offer a comprehensive risk solution coupled with our traditionally high service standards and the flexibility to react to the constant changes in the global risk landscape.

Personal accident and Business travel

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We understand the value of people; that a company’s value originates from their employees and the decisions they make. When a company takes the decision to purchase Zurich Group Personal Accident & Business Travel insurance, they discover the benefits and the recognition that comes from choosing dependable cover for their company’s most important asset; their colleagues.

Our Group Personal Accident insurance is also flexible – the insured company can decide whether they would like to use the lump sum benefit for covering their business costs e.g. recruitment costs; or to pass the benefit onto the employee concerned. It’s also a smart purchase because it’s tax-efficient – under current legislation, the company insured by our Group Personal Accident insurance will not pay any tax on the lump sums paid out by the policy, thus offering a valuable benefit at a relatively low cost.

We know a company’s time is money. That’s why we ensure our Group Personal Accident insurance is as simple as possible to purchase. There’s no requirement for medicals; cover is worldwide and unlike some policies, we do not exclude many hazardous sports and hobbies.

Greater than the sum of its Parts

As the world changes, emerging markets, like Brazil, Russia, India and China (the so-called ‘BRIC economies’) are becoming increasingly influential in today’s globalized economy. Companies from established markets are reacting to this with expansion and development, which means that their employees are travelling more than ever and, often, to less developed countries.

At the same time, we live in a more networked world than ever before where it is possible to share media instantly, and to be a ‘citizen journalist’ with broadcasting and publishing open-to-all. People are becoming more risk aware as a consequence and companies are under pressure to give their employees as much protection as possible.

With health and safety legislation increasing and the introduction of the Corporate Manslaughter Act, company directors and officers now have a new personal responsibility for their employees.

By purchasing Business Travel insurance to respond to any emergencies, companies demonstrate to all their preparedness to be a responsible employer that has taken precautions to ensure staff are taken care of while abroad on business.

chanGinG world, chanGinG risks

total confidence with Zurich• Financial strength (Rated AA – S&P Sept ‘12) giving long-term confidence.

• Fast and comprehensive quotations.

• Timely payment of claims.

• Quality day-to-day claims service.

• Flexible policy with the ability to adapt cover to suit business needs.

• Broad cover with limited exclusions.

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why Zurich for Personal accident and Business travel?

Our bespoke proposition combines our wide-ranging product with only the most relevant, and value-contributing additional services which call on carefully selected, high-quality suppliers.

• Compliant global solutions.

• Local focus on UK market with underwriters in each branch.

• Online full-cycle solution for fast-flow business for brokers.

• A variety of assistance services, offering a huge range of support to businesses and their employees.

• Comprehensive, market-leading wording with limited exclusions and generous limits.

• The financial strength – both in credit rating and capitalisation – for long-term stability.

• meet and greet – an innovative service where customers travelling to high hazard areas/destinations are met at the airport, escorted to their destination/hotel and briefed along the way on the current security situation within that country.

• check in – a valuable phone call at a pre-arranged time between our security assistance partner and the traveller, which ensures that constant contact is kept, and that any concerns can be addressed when travelling to or within high-hazard destinations/areas.

• vehicle breakdown assistance – ensures customers have the best chance of being on time for their flight in the UK by offering roadside assistance for private car journeys to and from the airport.

• discounted lounge access – we are partners with a global airport lounge provider, offering customers the chance to purchase discounted membership and enjoy the benefits of business-class lounges while travelling.

We have a team dedicated to reviewing our product and propositions. They strive to ensure that our products compare favourably with other leading offerings, as well as offering new and innovative features. Some examples of unique services within our current Personal Accident and Business Travel proposition are:

what makes Zurich different?

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Our dedicated Accident and Health claims team has a wealth of industry experience and expertise. Their priority is to deal with claims swiftly and professionally. They deal with claims ranging from minor work and home-related injuries, right through to fatalities and catastrophic personal injury claims, for which our claims personnel are specially selected and trained to ensure a sensitive, confidential and courteous approach is consistently delivered.

We monitor our claims-handling quality through an independent quality assurance team, who conduct independent reviews of claims. Service levels are also monitored through extensive key performance indicators.

At Zurich, we recognise that, as well as ensuring an individual claim is handled in the correct manner, it is also vital to participate in issues pertaining to the wider claims landscape, on behalf of society. Our strategic claims team lobby government and the insurance industry to ensure that both the views of customers and our own are heard when new legislation is created, not just as the voice of the insurer but also the voice of the compensator.

our claims exPertise

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sme & uk medium to larGe corPorate Businesses uP to £300m turnover

at the heart of the system are three flexible quote types:

01 Quick quote – ensures a quickly received quote based on intelligent assumptions, allowing access to a premium instantly. Ideal for cross-selling situations.

02 standard – gives control over the benefits and the cover required. Simply set the limits to match existing levels of cover and get a like-for-like quote. Ideal for renewal re-quotes.

03 directors – fast quote facility is configured specifically for senior-level staff. Ideal to help quote for small firms who only want to cover key individuals.

Find out more about our proposition

for small,mid-size and corporates at:

www.zurich.co.uk

GrouP Personal accident and Business travel for comPanies of all siZesIrrespective of the size of the company or the length of the journey, we are well placed to bring our insight and experience to risk issues around personal accident and business travel. Our Personal Accident and Business Travel proposition has evolved for today’s global risks and we have developed it to suit the needs of companies regardless of size.

With our proposition, a company gains access to comprehensive cover at a competitive price; and employees gain a high level of protection and reassurance, giving confidence and peace of mind in a sometimes dangerous world.

online trading for brokersPersonal Accident and Business Travel insurance can be transacted quickly, efficiently and with more certainty for brokers. Our online end-to-end trading platform is a self-service facility, which allows brokers to transact large volumes of business quickly and simply. The web-based platform is straightforward and intuitive with no need for training.

By trading online, there is no need for brokers to contact underwriters for every amendment, so the service is faster and more efficient for all concerned.

key benefits of our online trading facility:

• Quick and efficient.

• Easy to use.

• Online referrals.

• Electronic documents.

• Flexibility.

• Increased commission.

FOR BROKERS ONLY

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sme & uk medium to larGe corPorate Businesses uP to £300m turnover

larGe uk corPorations and multinational Businesses over £300m turnover

International Programmes from ZurichIf a business operates on a global basis, an international insurance programme from Zurich will offer that business significant benefits. Our international programmes can provide a single overarching Personal Accident and Business Travel policy, interconnected with local policies in more then 70 countries, a number that is constantly growing.

We are leaders in the delivery of international programmes. As one of the largest and broadest corporate business insurers, our experience aligns with all the relevant local insurance and tax laws and regulations. We have a global network of Zurich-owned locations and carefully selected local insurance partners delivering services in over 180 countries.

We manage over 3,000 international programmes around the world via our five hub offices, which are strategically located around the world. The hubs, owned and operated by Zurich, are staffed by local insurance professionals who understand the laws and cultures of the regions they cover, giving them the ability to exert local control over our global insurance programmes.

key benefits of our international programme capability:

• Confidence that compliance with local insurance laws and tax regulations is cared for.

• Better control and continuity through a centralised approach to managing local coverage, avoiding duplication of coverage and service.

• Ability to tailor a programme to customer-specific needs, including captive services.

• Confidence that claims are handled in a timely and transparent manner.

Find out more about our proposition

for large and multinational

organisations at:

www.zurich.co.uk

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comPrehensive cover and hiGh levels of service Our experience of providing Personal Accident and Business Travel cover to some of the biggest and best known companies in the world means we know what customers expect from us. We also work closely with our brokers to ensure they have the support needed to provide a seamless service.

Personal accident

Employees are the lifeblood of any business. If they are not able to work then the business must find alternatives, such as temporary staff, training new staff, or paying overtime to bridge the gap, all of which involve significant additional costs.

Our Personal Accident insurance provides protection in the event of accidental bodily injury and can provide cover for a range of activities to suit business needs.

The cover is designed to pay out if an employee is severely injured or dies in an accident. Policyholders receive a tax-free (under current legislation) lump sum if they are involved in an accident resulting in the loss of one or more limbs, one or both eyes, the loss of use of any of the above or some other form of permanent disability. Depending on the type of disability, the payments may be made weekly for one or two years, or as a lump sum.

The policy can enhance any employee benefit scheme; or any claim payment could be used to cover the cost of recruiting a temporary or permanent replacement, ensuring minimal disruption to the business. The policy can also assist in managing liability claims as liability does not need to be determined under the policy before we make a payment.

cover in the event of accidental bodily injury resulting in death or disablement including:

• dismemberment

• loss of sight

• permanent total disablement

• permanent partial disablement

• temporary total and temporary partial disablement

• loss of hearing

• loss of speech

• catastrophic injury rehabilitation.

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our policy also includes a comprehensive range of extensions:

• Childcare costs and domestic staff expenses.

• Coma benefit.

• Corporate events.

• Corporate regulation protection.

• Damage to personal effects.

• Dental injury.

• Dependants’ benefit.

• Disability assistance.

• Disappearance.

• Domestic travel expenses.

• Exposure to elements.

• Facial scarring.

• Funeral expenses.

• High-jack or kidnap.

• Hospitalisation expenses.

• Medical expenses.

• Moving costs.

• Out-patient expenses.

• Permanent partial disablement.

• Personnel replacement.

• Physiotherapy.

• Post-traumatic stress disorder – terrorism.

• Rehabilitation support.

• Retraining expenses.

• Simultaneous death of insured and partner.

• Suicide – recruitment costs.

• Urgent expenses following death.

• Visitors personal accident.

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Business travel We believe that when asking staff to travel for business purposes, they should be provided with good quality travel insurance. Employees can encounter many hazards in an often dangerous and fast-changing world such as terrorism, political unrest and medical and security emergencies.

Zurich’s Business Travel policy will provide the security and confidence needed in unknown territories. Our policy is designed to help protect employees/insured persons in these instances, and also provide instant 24/7 access to medical and security experts, 365 days-a-year.

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under our Business travel insurance some of the main elements of cover are:

• Overseas emergency medical expenses and repatriation

Payment for overseas medical expenses incurred from employees becoming ill or sustaining bodily injury.

• Personal property

Payment for loss or damage to employees’ personal property, such as clothes and jewellery.

• Money

Payment for loss or theft of money or financial loss suffered due to fraudulent use of credit, debit or charge cards.

• Business equipment

Payment for electronic business equipment, such as laptops, in the event of loss or damage.

• Cancellation, curtailment and rearrangement expenses

Payment for pre-booked travel arrangements that are cancelled, curtailed or rearranged. For deposits, advance payments and other charges.

• Replacement expenses

Payment for replacement expenses incurred by sending a substitute person to complete the original purpose of the journey.

• Travel delay

Payment for travel delay due to strike, industrial action, adverse weather conditions or mechanical breakdown. We will also pay for additional costs of travel, accommodation or subsistence from a missed international connection or missed departure.

• Kidnap – consultant’s costs

Payment for specialist services of skilled kidnap negotiators.

• Political and natural disaster evacuation

Payment for costs incurred to evacuate employee(s) to their country of permanent residence, country of secondment or nearest place of safety.

• Legal expenses

Payment for legal expenses incurred in the pursuit of a claim against a third party for damages; or compensation for bodily injury, death or illness.

• Personal liability

Payment for legal liability incurred as a consequence of causing accidental bodily injury or illness of any person, including loss or damage to property.

• Personal security expenses

Payment for security costs in extracting an insured person involved in a life-threatening situation while on a work-related journey.

• Excess car-hire waiver

Payment for loss of or damage to a rental vehicle during a journey, in respect of the monetary amount that is legally required to be paid (as an excess or deductible).

range of extensions:

• Overseas Medical Expenses

• Premature childbirth. • Foreign coma benefit. • Foreign hospital confinement benefit. • Foreign funeral expenses. • Search & rescue expenses. • Supplementary hospital expenses. • United Kingdom repatriation expenses.

• Personal Property

• Delayed personal property. • Loss of keys. • Passport or visa loss during a journey. • Pre-journey loss of passport or visa.

• Cancellation & Curtailment

• Missed international connection and missed departure. • Promotional voucher and awards. • Replacement expenses. • Travel delay.

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Zurich assistance

Our policy doesn’t just provide competitive insurance; it also ensures access to a suite of assistance and advice services, 24 hours-a-day. This means help is only ever a phone call away for our Personal Accident and Business Travel policyholders.

helP when it is needed most

crisis Pr assistanceDealing with the media and the families of injured employees can be very challenging. This service provides internal and external stakeholder communications support, brand rehabilitation and recovery services or any other appropriate PR support to help manage a PR crisis, which can be caused by an incident involving the death or permanent disabling injuries of one or more of a company’s employees. This support is provided via contacting Zurich assistance via telephone. The amount Zurich will pay in respect of an incident is limited, and detailed within policyholders’ documentation.

Medical Second OpinionVia Zurich Assistance, we have an arrangement for employees to gain access to a medical second opinion on any critical illness they are suffering. This illness must be serious in nature and the patient must already be under the care of a medical consultant who has recommended a course of treatment, medication and/or surgery. The second opinion service is arranged via a partner who has a network of medical professionals who will review the insured’s person’s results and medical files and compile a written report in an easy-to-comprehend format for the patient’s consideration. The patient is under no obligation to act on their report and we provide this service for information purposes only.

counselling & support servicesNot all organisations have an Employee Assistance Programme for their staff. Via Zurich Assistance, a company’s employees will have access to a wide range of support and advice which can be very valuable in times of personal need. The advice provides practical information as well as a resource for counselling to help employees balance their work, family and personal life.

topics include, but are not limited to, the following:• Work-life balance.

• Relationships.

• Childcare.

• Health and wellbeing.

• Debt.

• Disability and illness.

• Careers.

• Bereavement and loss.

• Stress.

• Elder care.

• Life events.

• Immigration.

• Anxiety and depression.

• Family issues.

• Bullying and harassment.

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Zurich travel assistance While employees are away, we provide access to 24-hour helplines for a wide range of emergency and non-emergency services. The cost of the medical and security emergency services are covered under policyholders’ insurance policies up to individual specific limits. Some of the other services may incur costs to the traveller, due to their bespoke nature.

emerGency medical assistance and rePatriation

• Emergency medical help – including arranging medical care and repatriation if needed.

• Emergency cash advance – helps get funds to the traveller to replace cash lost or stolen.

• Emergency message communication – we can pass messages to family and business colleagues in an emergency.

• Legal referral – provides access to an embassy or consulate if legal assistance is required.

• Travel support – including assistance with lost or stolen documents, baggage or tickets.

• Access to our online portal for useful information by destination.

emerGency security assistance

Our security assistance provider helps keep business travellers safe and provides specialist emergency for:

• Personal security – where an employee feels threatened abroad, this service offers advice or even a physical response by a trained specialist to return the traveller to safety and security and provide valuable reassurance during the event.

• Political and natural disaster evacuation – should an employee get caught up in a war zone, civil unrest or a natural disaster, our security provider will respond at a local level to support and evacuate the traveller to safety.

• Kidnap consultancy – should an individual be the target of a kidnap, our service will provide access to trained negotiators who will assist in the process of trying to secure a safe release.

Additionally, we can provide pre-trip advice about destinations via our online portal, via phone or email including bespoke reports to all destinations.

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home emerGency assistance

If, while a company’s employees are out of the country travelling on business, they are made aware of a domestic emergency at their private UK residence, they can contact Zurich Travel Assistance to organise an emergency visit and repair.

This is an arrangement-only service and the insured person will be responsible for all third-party costs, and will be made aware of this during the call. The insured person will need to be able to provide access to the premises and have the means available to pay for all costs upon completion of the work.

Within reason, there are no limitations to what services the insured person can request. However, they should be on an emergency repair basis only and typically for plumbing electrical and property repairs.

airPort lounGe access

To relieve the stress of travelling through busy airports and provide a haven for business travellers to work in, we have negotiated discounted rates with our worldwide airport lounge partner for all Zurich-insured travellers to access. There are a variety of membership plans that will cater for a traveller’s frequency of travel and an insured company’s employees can also take advantage of this lounge access during their holidays.

meet and Greet service

Arriving at a busy airport in an unfamiliar country can be quite daunting and a traveller can experience an increased risk of a security event during their first few hours. To best prepare employees for these more unstable destinations via Zurich Travel Assistance, we can arrange a 10% discount off an airport-transfer service where the travelling party can be provided safe and comfortable transportation.

In addition they will receive a personal local briefing on the current affairs and ‘dos and don’ts’ of the location they are in. All drivers are vetted and have an in-depth local knowledge of the region to ensure passengers’ safety remains paramount at all times. The cost of transport and the greet service is met by the traveller and varies from region to region and by journey length.

check-in service

This service provides peace of mind for travellers to higher hazard destinations as well as for those at home who may be concerned for their welfare. A pre-arranged phone call at a prescribed time and frequency is arranged prior to a trip from our security assistance partner.

This will allow the traveller to discuss any concerns for them or their group and specific protocols are agreed that will inform emergency contacts if a phone call is not answered and the situation can be monitored or escalated.

The cost of the service is met by the traveller who will determine the frequency of the calls and how many travellers in the group receive them. As a Zurich customer, a discounted rate will be afforded.

Zurich Insurance plcA public limited company incorporated in Ireland. Registration No. 13460. Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland. UK Branch registered in England and Wales Registration No. BR7985. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ.

Zurich Insurance plc is authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. These details can be checked on the FCA’s Financial Services Register via their website www.fca.org.uk or by contacting them on 0800 111 6768. Our FCA Firm Reference Number is 203093.

Communications may be monitored or recorded to improve our service and for security and regulatory purposes. © Copyright – Zurich Insurance plc 2013. All rights reserved. Reproduction, adaptation,  or translation without prior written permission is prohibited except as allowed under copyright laws.

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Zurich Global Corporate UK London Underwriting Centre, 3 Minster Court, Mincing Lane, London EC3R 7DD, England. www.zurich.com/corporatebusiness

Zurich Global Corporate UK is a trading name of: Zurich Insurance plc.

While all reasonable care has been taken to ensure the information contained within this brochure is accurate Zurich does not guarantee its accuracy or completeness. Zurich is not responsible for any errors or omissions or for the results obtained from the use of such information and Zurich assumes no liability in connection with this publication. Any description of any insurance product is intended for information only and your insurance policy is the contract that specifically and fully describes the insurance coverage provided.PP

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Find out more about our Personal Accident & Business Travel proposition for businesses at: www.zurich.co.uk