Personal Accident Insurance

Around the world it seems are increasing numbers of high risk situations, or situations which are not so high risk but where the individual is a high-cost or specialized resource. Losses in either of these situations can be high when something goes awry. This personal accident insurance, for individuals or groups, to insure against some of these situations.

Whether a test flight pilot is seeking death coverage, missionaries are working in war-torn countries, a top Executive is traveling in the Middle East or a Company has employees visiting Columbia, Personal Accident Coverage has the answer.

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Featured Providers

L.J. Gosselin & Associates
332 Glebeholme Blvd.
Tel: 416-481-5234
Fax: 416-481-0691
Toll free: 1-800-661-3448
Mobile: (416) 346-9526
[email protected]
Head Office in Toronto,

Licensed in all provinces
including NWT
- High Limit AD&D
- War Risk Exposures
- Seat Accident
- Lump Sum Permanent & Total Disability (PTD)

The following Personal Accident insurance product lines are available:

  • Individual or Group Insurance
    • High Limit Accidental Death & Dismemberment (AD&D) – High Risk Occupations/Hobbies
    • Career-Ending Disability Insurance for Professional Athletes and the HNW market
    • Temporary Total Disability (Accident & Sickness) for High Risk Occupations/Locations and/or High Limits
    • High Limit Lump Sum Permanent & Total Disability (PTD) for Professionals & High Net Worth Individuals
    • Funding of Buy-Sell, Financial/Contractual Interests with Lump Sum PTD cover (Accident & Sickness)
    • Contractual Protection Insurance (Third party)
    • Customized insurance for Musicians, Entertainers, Medical and Legal/Tax Professionals
    • Temporary and/or Permanent Loss of License Coverage for Aircrew Members
    • Innovative Catastrophic Disability Coverages based on Inability to Engage in Activities of Daily Living
    • High Limit/Risk Travel Insurance including Emergency Assistance and Repatriation – also applies to Sports
    • War Risk Coverage – NGOs, Contractors, Correspondents
    • Deductible or Exclusion Buy Back
    • Loss of Use Cover – Sight, Taste, Smell
  • Group Coverage
    • Special Aircraft Exposure – Owned or Chartered Fixed or Rotary Wing
    • Defense Base Act Liability (contractors working in Iraq and Afghanistan)
    • Group Creditor Life, Disability and Loss of Employment Insurance
    • Expatriate Programs (AD&D, Disability Income, Medical)
    • Kidnap, Ransom & Extortion Insurance (Corporate or Family)

Our office specializes in Personal Accident Insurance since 1988 and, as Wholesale Managing Agents, we have access to several domestic insurance markets, in addition to being Open Market Correspondents at Lloyd's. Reinsurance facilities also available.

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