Insurance for your people
Visitor accident insurance
Clients, one-day trainees, participants: people present on your premises without being employees.
The essentials
Your premises, sites or events welcome people who are not your employees: clients, partners, candidates on a trial day, training participants.
In the event of an accident, their situation is not always clear. Visitor accident cover can provide a simple answer, complementary to liability insurance.
The situations concerned
- You regularly organise visits, open days or training sessions.
- You host people on trial days or volunteers.
- Your activity involves clients being present in hazardous areas.
How we support you
- Identifying the people present and the settings in which they are hosted.
- Distinguishing what falls under liability insurance from what calls for accident cover.
- Setting up a solution proportionate to your activity.
Before deciding
Points to examine
- 01The people actually covered by the contract.
- 02The locations and events covered.
- 03The benefits provided and how they fit with visitors' personal insurance.
How it works
How we move forward together
- Step 1
Listen
We start from your organisation: headcount, employment contracts, HR practice and situations you have already experienced.
- Step 2
Read what exists
We analyse your policies, general and specific conditions, as well as recent correspondence with insurers.
- Step 3
Clarify the options
You receive a readable summary of the gaps, the possible choices and their consequences for the business and its employees.
- Step 4
Put in place
We coordinate the steps with the insurers and help you inform your teams.
- Step 5
Follow up
Absences, changes, growth: we review the arrangements whenever the reality of the business changes.
Frequently asked questions
Your questions
Isn't liability insurance enough?
Liability insurance applies if your business is responsible for the damage. Visitor accident cover can pay benefits regardless of the question of liability. The two follow different logics.
Are candidates on a trial day covered by UVG/LAA?
Their status depends on the actual circumstances of the day. This is precisely the kind of situation we help you examine with the insurer.
Is it useful for a service SME?
It depends on how often visits take place and in what context. For some businesses the answer will be no; we will tell you.
Can a single event be covered?
Depending on the insurer, one-off solutions exist. Whether they are worthwhile depends on the risk and the cost.
Related services
Useful resources
Let’s talk about your business.
A first conversation to understand your situation, with no obligation. Call us or write to us.