Personal accident and hospital cash plans: A safety net for installers

By Robert Campbell, Team Manager, Marsh Commercial

As a KBB installer, your work involves not only creativity and craftsmanship but also physical labour that can sometimes lead to unexpected accidents.

Personal accident and hospital cash plan insurances can provide you with financial security in the event of unforeseen circumstances.

Why personal accident and hospital cash plan insurances matter for installers

Protecting finances: Installation professionals often rely on their physical ability to work. If an accident prevents you from performing your duties, these types of insurances can help cover lost income, ensuring you can meet your financial obligations.

Cover for a range of incidents: From slips and falls on the job site, sports or gym-related injuries, to accidents that occur in other areas of your social life, these insurance policies are typically designed to assist.

Types of cover: Personal accident policies generally cover permanent or temporary disability caused by an accident. For instance, the insurance may pay a fixed amount for accidental death or loss of limb; however, for broken bones, a weekly benefit may be payable for temporary disability that prevents a return to work. In contrast, hospital cash plan policies may provide a fixed pay out for overnight hospital stays and travel costs for family members.

Depending on the insurance provider, you may be able to arrange personal accident and hospital cash plan cover within the same policy.

Supporting you and your employees: Having a policy in place helps demonstrate your professionalism and commitment to safety. Cover is usually available for you and your employees, and in some cases, can be extended to protect family members.

Choosing the right insurance policy

When selecting a personal accident and sickness insurance policy, consider the following:

1. Cover limits: Ensure that the policy provides adequate cover to assist with your loss of income and any potential medical expenses.
2. Cover options: Take time to understand the specific cover options available, so you can choose a policy that best fits your needs.
3. Exclusions: Be aware of what the policy does and does not cover, including any exclusions for specific types of injuries.

Conclusion

For more information on personal accident and hospital cash plan insurance for kitchen, bedroom, and bathroom installers, contact Marsh Commercial on 0330 818 6589. Alternatively, visit www.marshcommercial.co.uk/bikbbi.

Marsh Commercial is part of Marsh, a global insurance broker and risk adviser, specialising in insurance solutions for tradespeople and contractors who are BiKBBI registered.

The information contained herein is based on sources we believe reliable and should be understood to be general insurance and risk management information only. The information is not intended to be taken as advice and cannot be relied upon as such. Statements concerning legal, tax or accounting matters should be understood to be general observations based solely on our experience as insurance brokers and risk consultants and should not be relied upon as legal, tax or accounting advice, which we are not authorised to provide.

The British Institute of Kitchen, Bedroom & Bathroom Installation Limited (BiKBBI) is an introducer to Marsh Ltd. Marsh Commercial is a trading name of Marsh Ltd. Marsh Ltd is authorised and regulated by the Financial Conduct Authority for General Insurance Distribution and Credit Broking (Firm Reference No. 307511). Copyright © 2025 Marsh Ltd. Registered in England and Wales Number: 1507274, Registered office: 1 Tower Place West, Tower Place, London EC3R 5BU. All rights reserved.