Accident and Health Embrace

Our Accident and Health policy offers cover for companies operating in a wide range of trades, from a small consultancy business to large manufacturing operations.

Whether it’s used for enhancing your client’s employee benefits package, protecting business continuity in the event of employee absence due to injury or illness, or protecting employees on business trips, our cover offers a simple and flexible solution.

Why choose Allianz for Accident and Health insurance?

Features of Accident and Health Embrace

  • Flexible market-leading accident and health solutions
  • Group Personal Accident cover - can provide a benefit to the company in the event of an employee sustaining accidental injury
  • Sickness cover - can provide a benefit to the company in the event of an employee being unable to work due to illness
  • Business travel cover - covers employees whilst on a business trip
  • Cover operates as either "human business interruption" or an employee benefit - the policyholder chooses
  • Experienced and efficient underwriters
  • Access to a 24-hour policyholder helpline.

Risk Appetite

Preferred Trades

Please contact an Allianz Commercial underwriter or find a branch to find out more about our Risk Appetite.


  • Access to a 24-hour legal advice helpline and Allianz Legal Online
  • Efficient and experienced claims service
  • Experienced local underwriters.

Risk management

Our risk management website,, provides business owners with: 

  • guidance on a range of risk topics spanning fire, health and safety, security, people management and environment and weatheri
  • information to assist with the development of business continuity plans; and
  • specially negotiated rates from our preferred suppliers providing access to risk management products and services, such as:

- Praxis 42 – health and safety advice

- Securikey – essential security and management of keys

- Glen Abbot – business continuity planning

- Hilti – passive fire protection

- Vero – pre-employment screening services.

Documentation for Accident and Health Embrace

To download copies of our Accident and Health Embrace policy documents, please click the links below:


When your client makes a claim, they need an insurance provider that understands their loss and will be there at the crucial moments, providing them with the necessary help to get them trading again as quickly as possible.

We'll provide your client with:

  • A dedicated claims handler
  • Out of hours helpline
  • Claims analysis
  • Fraud prevention
  • Expert legal advice.

In addition, we have specialist claims teams to manage certain losses:

  • Dedicated risk experts specialising in property and liability claims
  • Major Loss Team
  • Disease Team
  • Engineering Team
  • Rehabilitation Team
  • Allianz Claims Inspectors.

For more detail on our claims service, please refer to the product documentation.

Follow the links below to find claims contact information:

If you'd like further information on this product, or have a question regarding our services, please contact your local Allianz Commercial branch.

Risk Director

If you have a query regarding Risk Director, please complete the 'Contact Us' form found on the website.