Group personal accident
Group personal accident (GPA) pays a capital sum on accidental death and permanent disablement, with weekly benefits for temporary disablement, for a defined group of employees. It is rated per mille on a risk-class split of the workforce — office, medium and hazardous — and needs a headcount and a wage roll, not a full census.
Quotable — structured intake, technical benchmark, comparison · Updated 2026-09-05
A credible benchmark from a headcount, a wage roll and a class split — no census required, so it is the fastest line to take to market.
What the RFQ captures
- Sum insured basis — a salary multiple, a flat amount or a grade table — rather than per-member amounts
- Headcount by risk class: I office, II medium, III hazardous
- Which of the four covers: death, permanent total, permanent partial, temporary total disablement
- Hours of cover: on duty only, or 24 hours
- Add-ons wanted — medical expenses, education, repatriation — checked against eligibility floors
What changes for the broker
Ask for the basis, not the amounts. Bridge derives the schedule from a salary multiple or grade table, splits the group by risk class, and produces a benchmark before the RFQ goes out. Add-ons an insurer will decline below their floor are flagged at intake, so the placement is not wasted on a cover that will not be written.
The comparison only a broker can make
Accidental death can be placed three ways: as standalone GPA, as a rider on group term life, or as an add-on inside the health programme. Different prices, different insurers, different settlement. Bridge shows all three on the programme so the client chooses with the numbers in front of them.
Questions
Do we need a full employee list for GPA?
No. A headcount by risk class and the sum insured basis are enough for a benchmark and an RFQ. Per-member occupation is an enrichment, not a requirement.
Is Employees' Compensation the same thing?
No. GPA is a benefit the employer chooses to buy; Employees' Compensation is the employer's statutory liability under the 1923 Act. A manual workforce needs both, and Bridge carries them as separate lines in one programme.