C J Coleman is a specialist market leader in arranging comprehensive personal accident insurance for acts of war and terrorism in the most dangerous parts of the world. We have a track record in delivering insurance protection to those working in both high risk industries and countries.
Bespoke coverage provides peace of mind and future financial security to individuals in an unstable world where war and terrorism are a common threat and in which accidents can occur quickly and often unexpectedly.
C J Coleman's unique solutions allow individuals and companies to purchase insurance coverage to help family members and loved ones deal with the associated financial instability and threat of an insured person working in extreme risk areas of the world such as Iraq and Afghanistan.
Your beneficiary may receive a death benefit in the event of your accidental death during a business trip, posting, vacation or whilst going about normal daily activities. Equally, compensation may be paid following temporary or permanent disablement from an accident at work and for the unseen costs associated with hospitalisation and/or evacuation.
Minimum coverage is for £100,000 but may be increased to a maximum of 10 times annual salary per individual. Group cover is available up to £100 million per accident cover.
Choice of coverage:
Accidental Death only – pays a lump sum in the event of your death due to an accident.
Accidental Death and Dismemberment – pays a lump sum in the event of your death due to an accident, or for loss of sight of one or both eyes, or loss of one or more limbs due to an accident.
Permanent and/or Temporary Total Disablement – allows a choice of whether to receive income if temporarily prevented from working or a lump sum if permanently disabled due to an accident and/or sickness.
Medical Expenses & Healthcare – Covers hospitalisation and medical costs resulting from an accident and/or sickness.
Emergency Evacuation and Repatriation – covers the cost of transportation to the nearest medical facility to deal with the injury or illness. 24 hour emergency helpline provided with assistance for finding a suitable doctor and hospital and arranging evacuation. Funeral costs are also provided.
Kidnap and Ransom – covers ransom reimbursement and lost revenue from cost and services associated with kidnap and ransom situations such as inclusion of expert negotiators, crisis management, rehabilitation expenses, security for family, death and disability insurance and a 24 hour emergency helpline.
Summary
- Covers injuries for war and terrorism attacks.
- 24/7 cover.
- Covers full range of needs for individuals, groups, companies and associations.
- Accident only or option to include sickness/illness.
- Competitive rates provided by expert insurers proficient in the field of high risk.
- Provide approved automatic capacity risks up to £5 million any one person or £25 million any one accident event.
- 100% Lloyd’s of London security – AM Best rating A (Excellent).
- Covers conveyance and accumulation risk.
- Territorial limits: Worldwide including Iraq and Afghanistan.
- Option to include sub-limits for nuclear chemical and biological cover.
- Flexible periods of cover.
- High risk proposal forms below – indication of premiums can be prepared prior to completion.