Personal Accident Insurance

Around the world it seems are increasing numbers of high risk situations, or situations which are not so high risk but where the individual is a high-cost or specialized resource. Losses in either of these situations can be high when something goes awry. This personal accident insurance, for individuals or groups, to insure against some of these situations.

Whether a test flight pilot is seeking death coverage, missionaries are working in war-torn countries, a top Executive is traveling in the Middle East or a Company has employees visiting Columbia, Personal Accident Coverage has the answer.

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Featured Providers

Head Office in Toronto

Licensed in all provinces including NWT

- High Limit AD&D
- War Risk Exposures
- Seat Accident
- Lump Sum Permanent & Total Disability (PTD)

The following Personal Accident insurance product lines are available:

Individual or Group Insurance

  • High Limit Accidental Death & Dismemberment (AD&D) – High Risk Occupations/Hobbies
  • Career-Ending Disability Insurance for Professional Athletes and the HNW market
  • Temporary Total Disability (Accident & Sickness) for High Risk Occupations/Locations and/or High Limits
  • High Limit Lump Sum Permanent & Total Disability (PTD) for Professionals & High Net Worth Individuals
  • Funding of Buy-Sell, Financial/Contractual Interests with Lump Sum PTD cover (Accident & Sickness)
  • Contractual Protection Insurance (Third party)
  • Customized insurance for Musicians, Entertainers, Medical and Legal/Tax Professionals
  • Temporary and/or Permanent Loss of License Coverage for Aircrew Members
  • Innovative Catastrophic Disability Coverages based on Inability to Engage in Activities of Daily Living
  • High Limit/Risk Travel Insurance including Emergency Assistance and Repatriation – also applies to Sports
  • War Risk Coverage – NGOs, Contractors, Correspondents
  • Deductible or Exclusion Buy Back
  • Loss of Use Cover – Sight, Taste, Smell

Group Coverage

  • Special Aircraft Exposure – Owned or Chartered Fixed or Rotary Wing
  • Defense Base Act Liability (contractors working in Iraq and Afghanistan)
  • Group Creditor Life, Disability and Loss of Employment Insurance
  • Expatriate Programs (AD&D, Disability Income, Medical)
  • Kidnap, Ransom & Extortion Insurance (Corporate or Family)

Our office specializes in Personal Accident Insurance since 1988 and, as Wholesale Managing Agents, we have access to several domestic insurance markets, in addition to being Open Market Correspondents at Lloyd's. Reinsurance facilities also available.




99 Wayne Gretzky Parkway, Suite 118
Brantford, Ont. N3T 6T6
Tel: (519) 752-8956
Fax: (866) 259-9273
Toll Free: (866) 866-8785
[email protected]

Head Office in Brantford, Ontario; serving all provinces; in BC as Canadian Specialty Underwriting Services; in QC as CSU Assurance Specialtie Canadienne

Wouldn't it be great if you could quickly and easily fill gaps with niche Lloyd's products to meet your clients' needs? We can help with challenges including: Medical Declines, High Limit Disability Issues, Travel and Residency Issues, Unique Occupations, and Short Term Needs. Call us now for a quotation!

Lloyd's High Limit Disability and Personal Accident Insurance (for Individuals and Groups):

  • AD&D (accidental death and dismemberment) or AD only (accidental death) with Optional Permanent Total Disability;
  • Career Ending Lump Sum Permanent & Temporary Total Disability for Executives, Doctors, Lawyers, Entertainers, Entrepreneurs, Portfolio Managers, Professional athletes;
  • Key-Man, Buy Sell, Business Overhead Insurance, Buy-Sell Agreements with Lump Sum PTD cover (Accident & Sickness);
  • Foreign Travel and Residency issues for Canadians travelling and living abroad;
  • High Risk Occupations / Hobbies, such as Airline, Oil, Marine, Mining, Demolition, etc;
  • War Risk Coverage – NGOs, Contractors, Correspondents;
  • Life insurance or Disability Insurance specific risks exclusions, e.g. covering exclusions in individual or group life plans (High risk activities, piloting, extensive foreign travel, war and terrorism, aviation exposures);
  • Loss of Use Cover – Sight, Taste, Smell;
  • Kidnap, Ransom and Extortion (Individual, Family or Corporate);
  • Pilots Temporary and Permanent Loss of License;
  • Expatriate Programs (AD&D Disability Income, Medical );
  • Defense Base Act Liability (contractors working in Iraq, Afghanistan, etc.);
  • Catastrophe Group Accident Coverage;
  • AD&D Group Programs for Professional Associations;

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We have been working work with Insurance Agents, Benefit Consultants and Financial Advisors throughout Canada since 2001 with the placement of these cover's into the Lloyds of London Market as an Open Market Correspondent.