As an employer could you continue to pay an employee’s salary if they were off work due to an accident or illness?
If you are self-employed, could you survive financially if you were unable to work? How would you continue to pay your mortgage and household bills without a regular income?
Taking out Personal Accident and Sickness Insurance could help to provide an income to meet some of these costs in the event of an accident or sickness.
Personal Accident and Sickness Insurance provides cover:
In respect of accidental bodily injury resulting in:
In respect of accident and/ or illness:
Personal accident and sickness insurance is a very flexible product and the main consideration is the amount of benefit that you will require each week. The level of benefit that you choose will determine the cost of the policy.
Weekly pay-outs for temporary total disablement depend on the level of cover chosen. Policies can be extended to include sickness cover for an additional premium.
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Request a call backEmail: andy@rkhenshall.com
Andy joined the Hensure team in 2026, with five years experience as an Account Handler. Specialising in Fleets & Property Owners policies, he holds his Cert CII and a Graduate Diploma in Law.
In his spare time, Andy is a Liverpool fan, Women’s football performance analyst and scout, and UEFA C coach.
Andy’s hobbies include playing guitar and road cycling, and he is currently learning German and Spanish.
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Email: ross@rkhenshall.com
Ross joined us in July 2021 and is now Broking Services Manager .
After completing a Bachelors and Master’s degree at University, Ross moved into the insurance industry. He has several years of experience in the insurance industry, having worked for a number of well-known Insurance companies prior to moving to Insurance Broking.
Ross is a keen climber and recently took up a new hobby of canoeing.
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Email:Â john@rkhenshall.com
John has 25 years of insurance broking experience. John has been awarded the Advanced Diploma in Insurance by the Chartered Institute and has also been awarded his Certificate in Financial Services.
John is a keen sportsman having played rugby at local level for both Penrith and Sandbach.
He was captain of Sandbach squash club for many years and still plays for the team in the local leagues.
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Email: allen@rkhenshall.com
Allen has over 20 years experience in commercial insurance having worked for a mixture of large and smaller insurers before moving in to an Insurance broking role.
He is responsible for the RK Henshall online trading through the Hensure Brand and also has overall responsibility for a number of delegated Authority binders that operate within the Underwriting Agency.
In his spare time he likes to play golf and is also the drummer in a covers band.
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Email: rhian@rkhenshall.com
Rhian holds an Apprenticeship in Business Administration and Customer Services, her CERT CII qualification and has experience dealing with professional indemnity, liabilities and commercial combined risks.
In her spare time, Rhian loves spending time with her friends and family and her two cats.
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Email: stephanie@rkhenshall.com
Stephanie joined the team back in 2013, where she completed the Brokerbility Apprenticeship Scheme to achieve her Cert CII qualification.
Outside of the office, Steph enjoys riding her horse and socializing with friends and family.
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Email: laura@rkhenshall.com
Laura joined the team in early 2024, after three years working in Commercial insurance.
She is currently working towards her CERT CII qualification.
In Laura’s spare time, she enjoys playing badminton and taking part in local quizzes. She is also a keen spectator of rugby and American football.
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