Personal Accident – Hostile Environments

Personal Accident – Hostile Environments



What is Personal Accident Insurance?

A policy arranged to insure you either specifically at work or on a 24/7 basis. Providing a lump sum benefit to you/your family following a bodily injury, resulting in specific consequences such as death or permanent disablement. There is also the option to add a fixed weekly benefit for injury resulting in you unable to carry out your usual occupation.




Often cover may be provided for you through your employer. However, there may be limitations and we can tailor policies to suit your needs.

At CJ Insurance we will listen to your requirements and offer a suitable policy that does exactly what you need it to.

We have spent time and energy fine-tuning our personal accident package which is flexible enough to cover a range of clients, who find themselves on diverse projects from one day to the next, with the experience behind it to make it affordable.



Who is the product suitable for?

Those working on fixed rotation with or without insurance cover provided by the main contractor as our policy will pay in addition to any other insurance you may benefit from.

It can also cover specific short-term tasks ranging from security courses including firearms of single day’s duration or much longer contracts involving multiple destinations including the most challenging parts of the world.

Why choose us?

  • Free review of your insurances if required
  • Dedicated Account Manager
  • Hotline to specialist insurers with tried and tested claims systems
  • Cover can be incepted over the phone or by email from anywhere around the world
  • Ability to cover those already in the country
  • Ability to cover those non-resident for tax in the UK
  • Support throughout the claims process

Main Covers


Death & Capital Benefits

The Death & Capital Benefits cover pays out a chosen lump sum in the event of Death, Permanent Total Disablement and Loss of Limbs/Sight/Hearing/Speech. This benefit is paid to you/your estate or a named beneficiary if you prefer.

You can select a level of cover that suits your requirements, this could be for example £100,000, £200,000 or £300,000.


Total Temporary Disablement

If you are involved in an accident, you may be off work for a substantial period of time. The Total Temporary Disablement cover provides a weekly benefit to replace the loss of income you may suffer during this time.

For those with families, mortgages, bills, this can be especially important. If you are the main earner in the household and you are unable to work, it could have serious implications for the rest of the family. This cover gives you peace of mind and financial security.

For example, if you had a benefit of £750 per week and were injured for a total of 10 weeks. The first 14 days are an excess period. However, you would receive £750 per week for 8 weeks, like a usual salary for the rest of the period you are injured and unable to return to work, totalling £6000.


Medical and Additional Expenses

In the event of you falling ill or being injured in country, you are likely to incur medical treatments costs and in the worst cases be required to travel home for more specialist care. These costs can be incredibly expensive and you will require specialist assistance should this occur when working in Hostile Locations.

Cover limits typically £1,000,000

We are always happy to offer free, no obligation advice and are available by telephone on 44(0)1432 268 007, Skype, or email us




01432 268 007

Java House, 8 St. Nicholas Street, Hereford HR40BG

Cj Protect is a trading style of Clarke Jeffreys Insurance Brokers Ltd. Registered office: 8 St Nicholas Street, Hereford. HR4 0BG.

Registered in England & Wales No: 4460184. Authorised and regulated by the Financial Conduct Authority