Personal Accident can be included from as little as £20.99 a year, inclusive of Insurance Premium Tax. This provides cover for injury to employees, trustees, committee members or volunteers arising from an accident where there is no need for negligence.
If a volunteer were to suffer an injury whilst on committee business and is unable to work as a result, then the policy would provide a cash payment to make up for their loss of income. This would also pay larger lump sums for death or disablement.