Addresses the rising cost of illness and injury
London, UK – 7 October 2025 – Carrow Insurance, the specialist MGA in Warranty, A&H and Income & Payment Protection, today announced a new range of Accident & Health (A&H) covers in the UK tailored for corporate and affinity business. Supported by Mission, Carrow is providing brokers with fresh capacity, responsive underwriting and products designed to address the growing needs of employers across the UK and EU.
Carrow’s A&H products now include corporate Personal Accident & Business Travel, group Personal Accident programmes and tailored corporate illness benefits, all supported by high financial limits: up to £3 / €3.5m million per individual, £25 / €30 million per event, and £10 / €10 million for medical expenses.
Paul Greenleaf, Senior Accident & Health Underwriter at Carrow Insurance, said: “Workplace illness and injury continue to represent one of the most material risks for UK employers. The Health & Safety Executive (HSE) estimates the annual cost of workplace injury and ill-health at more than £20 billion, with lost productivity and sickness absence placing an increasing burden on businesses.
“On average, UK firms lose 17 working days per case of illness and 9 working days per injury. Coupled with lengthening NHS waiting lists, these figures highlight the urgent need for employers to put effective protection in place.
“Our corporate Personal Accident & Business Travel solutions demonstrate a company’s commitment to employee protection by covering accidents whether they occur at work, at home, or while travelling on business."
Carrow’s products also strengthen business continuity, reducing disruption caused by accidental death, injury or travel delays. Importantly, these covers support an employer’s duty of care obligations: businesses are legally and ethically responsible for safeguarding staff wherever they operate, and an A&H policy makes that responsibility tangible.
No-blame, fast payment structure
Greenleaf continued: “Unlike employers’ liability, A&H cover operates on a no-blame basis, meaning negligence does not need to be established before benefits are paid. This enables faster payments to employees or the business, reducing financial stress at a critical time.”
Group Personal Accident programmes extend beyond financial protection by giving employees access to a wide range of support services. These include resources and counselling on work-life balance, stress, debt management, childcare, disability and illness, bereavement, elder care, bullying and harassment, and mental health challenges including anxiety and depression. By integrating these services, employers can provide staff with practical, holistic support that enhances wellbeing, resilience, and loyalty.
Carrow’s products can also be tailored to the specific needs of each organisation, offering bespoke cover that reflects sector, workforce profile, and risk exposure.
Ronan Conboy, CEO of Carrow said: “Our model is built to give brokers speed, clarity, and confidence. We want to help them with solutions that employers will value and trust. Healthy employees are the foundation of healthy businesses, and ensuring more UK companies can access A&H cover not only protects their people but also strengthens recruitment, retention, and operational resilience.”
Carrow Insurance is committed to long-term broker relationships in the UK and EU. With A- rated capacity backing via the Accelerant Risk Exchange, the firm offers stability and consistency. Carrow’s expansion of its Accident & Health products underscores its commitment to innovation, broker service, and market responsiveness. The company is now actively seeking broker partnerships to deliver this protection to employers of all sizes across the UK and EU.
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Media contact:
Victoria Sisson, Omnia Partners
07941 294872 / victoria.sisson@weareomniapartners.com
