Personal Accident Insurance for Workers

Secure Your Team. Secure Your Business.

 

If you're a business owner, let me start by asking you something simple but important:

What keeps your business running every day?
Your machines?

Your customers?

Your systems?

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No.
It's your people.

Your team.

Your workers.
Whether they're working on the shop floor, out in the field, driving your trucks, handling logistics, or managing daily tasks – they are the real strength behind your success.

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But have you ever thought…
What happens if something happens to them?

We never plan for accidents – because accidents, by nature, are unexpected.
A simple slip on a wet floor… a short-circuit while handling a machine… a road accident while traveling for work… and suddenly, everything changes.

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🚨 One Accident Can Change Everything

Let me share a real incident that might help put things in perspective.

A factory owner I know had a loyal worker, Raman, who’d been with him for over 8 years. Hardworking, punctual, and skilled. One day, while working on a machine, there was a malfunction. Raman tried to fix it, but his hand got caught. He lost his hand.

He couldn’t work anymore. His income stopped overnight.
The employer – despite wanting to help – didn’t have a Personal Accident Insurance policy in place for his workers. He ended up paying medical bills from his own pocket. It was financially stressful for both sides.

Raman’s family went through a huge financial crisis. And the employer? He lost a good worker, dealt with legal pressure, and more importantly, lived with the guilt.

And all of it could have been avoided… with one simple step.

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✅ Why Personal Accident Insurance is a Must-Have (Not Just Good-to-Have)

You see, Personal Accident Insurance for your workers isn't just another policy. It's a lifeline.

Here’s what it covers:

• ✅ Accidental Death – If the unthinkable happens, the family gets a lump sum payout.

• ✅ Permanent Disability – If your worker loses a limb or suffers serious injury, they’re financially supported.

• ✅ Temporary Disability – Even if they're unable to work for a few weeks/months, the policy pays them a regular income.

• ✅ Medical Expenses – Many policies even cover hospital bills and treatment costs.

• ✅ You’re Protected Too – As an employer, you're protected from unexpected liabilities, expenses, and legal risks.

 

🤝 It's Not Just Insurance – It's Responsibility

Let’s be honest – you can't be everywhere, all the time.
You can't stop every accident. But what you can do, is make sure your people are protected if one happens.

When your workers know they are insured – it builds trust, morale, and loyalty.
They feel valued. They stay longer. They give more to the business.
And in turn, your business becomes stronger and more secure.

 

📌 What’s the Cost?

Here’s the good news:
This type of insurance is surprisingly affordable, especially when taken as a group cover for multiple workers.
And the peace of mind it brings? Priceless.

 

📞 Let’s Get You Started

I'm Gagan Singh Lakhanatia, and I help responsible business owners like you set up simple, low-cost insurance solutions that protect both your workers and your business.

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If you're not sure where to start — don’t worry. That's exactly what I’m here for.

Let’s talk, understand your business, and find a solution that fits your needs and budget.

🗓️ Book a Free Consultation Call Today
📞 Call/WhatsApp: 7973915519
📧 Email: licgaganptk@gmail.com