Employee Accident Cover and
Employee Life Cover
Did you know?
- Friendly customer service – we put members first
- Low weekly cost
- Endorsed by the Construction Industry Joint Council (CIJC)
Financial protection for employees and their families
For construction employers who’d like to offer reassurance with Employee Accident Cover and Employee Life Cover (EAC/ELC).
Why provide this cover?
Providing EAC shows you value your employees – if accidents happen they’ll be taken care of financially. And ELC is an affordable benefit that’s reassuring to your employees. Knowing their loved ones will be taken care of financially in the event of their death is a great support.
Our low cost cover applies to anyone 16 and above. For EAC this is available to those resident in the UK and Isle of Man. It’s really simple to use. And as a not-for-profit company, we try to find reasons to pay claims rather than reject them.
How construction employers can apply
Construction employers can download an application form. Or for more information, contact us.
Cover benefits
- Low weekly combined cost – £1.49 for an employee with standard life cover, £2.62 for double and £3.75 for triple
- Large payments – up to £40,000 for accidents, up to £240,000 for life cover
- Broad life cover – accidental deaths, suicide, death in incapacity or following redundancy
- Covers a range of accidents – at work or on the way to or from work
- Simple setup – with day one cover, straightforward application and no underwriting
- Easy to claim – quick turnarounds, no underwriting and a UK call centre
Our downloads below provide more information and forms to apply.
You can also contact us for more information.
Are you struggling financially?
Please visit our deferred payment plan webpage for more information about how we could support you.
- EAC/ELC Application Form
- EAC/ELC Individual Guide
- EAC/ELC Technical Guide (UK)
- EAC/ELC Technical Guide (Isle of Man)
- EAC/ELC Fact Sheet
- EAC/ELC annual declaration – frequently asked questions
- Changing your level of ELC – form (for employers)
- EAC Policy Conditions
- ELC Rules
- ELC beneficiary nomination form
- Employee Accident Cover and Employee Life Cover – template member schedule
- EAC increases to injury payments from 1 February 2021
What injuries qualify for payments?
How much we pay depends on the kind of injury.
Qualifying injury |
Benefit |
| Loss of sight in both eyes | £40,000 |
| Loss of sight in one eye | £20,000 |
| Loss of hearing in one ear | £10,000 |
| Loss of hearing in both ears | £20,000 |
| Loss of hand or foot | £40,000 |
| Loss of arm or leg | £40,000 |
| Loss of big toe | £2,000 |
| Loss of any other toe | £1,000 |
| Loss of thumb | £5,000 |
| Loss of index finger | £5,000 |
| Loss of any other finger | £1,500 |
| Total disablement – payment varies depending on whether temporary or permanent | £7,500 – £40,000 less any payment previously made in respect of the total disablement |
How to claim
Please get in touch with us as soon as you can.
Email us at B&A@bandce.co.uk to claim.
What do we pay in Life Cover?
You can get EAC and ELC for your company at a low cost.
While accidents are covered as standard, under the combined cover there are three levels of life cover to choose from. The costs quoted below are for the combined cost of EAC/ELC.
ELC levels
Life cover |
Benefit rate if member dies* |
Benefit rate if member dies as a result of an accident at work* |
Weekly cost per employee |
Monthly cost per employee |
|---|---|---|---|---|
| Standard | £40,000 | £80,000 | £1.49 | £6.46 |
| Double | £80,000 | £160,000 | £2.62 | £11.35 |
| Triple | £120,000 | £240,000 | £3.75 | £16.24 |
*Except for the case of ill health or unemployment where the payment is determined by the period of absence. Please see ‘Absence Taper’ on page 4 of the ‘Employee Life Cover rules’.
How to claim if a member dies
Please get in touch within a year of a member’s death. We handle all claims quickly, carefully and sensitively. If all is in order, we’ll then pay the lump sum life cover to the member’s beneficiaries (at the Trustee’s discretion).
We may require medical evidence if death is preceded by incapacity. And there’s no upper age limit for employees, except for death in incapacity or unemployment cover.
Want life cover separately?
Employee Life Cover from B&CE (ELC) is available as a standalone scheme.
Our low cost cover applies to anyone 16 and above and is really simple to use. ELC provides a lump sum (normally tax-free) to a member’s beneficiaries if the member dies for any reason while employed by you. And as a not-for-profit company, we try to find reasons to pay claims rather than reject them.
Cover benefits
- Low cost – from £1.38 per employee per week
- Large payments – up to £240,000
- Broad life cover – accidental deaths, suicide, death in incapacity or following redundancy
- Simple setup – with day one cover, straightforward application and no underwriting
- Easy to claim – quick turnarounds, no underwriting and a UK call centre
There are three levels of life cover to choose from. The costs quoted below are for ELC only:
The costs for our ELC cover
Life cover |
Minimum payment made if a member dies* |
Benefit rate if member dies as a result of an accident at work* |
Weekly cost per employee for ELC only |
Monthly cost per employee for ELC only |
|---|---|---|---|---|
| Standard | £40,000 | £80,000 | £1.38 | £5.98 |
| Double | £80,000 | £160,000 | £2.51 | £10.87 |
| Triple | £120,000 | £240,000 | £3.64 | £15.77 |
*Except for the case of ill health or unemployment where the payment is determined by the period of absence. Please see ‘Absence Taper’ on page 4 of the ‘Employee Life Cover rules’.
If you are operating under the CIJC Working Rule Agreement, then you must provide your employees with the combined cover or equal cover from an alternative provider. For information on the combined package, please go to the Overview tab.
How to claim life cover if a member dies
Please get in touch within a year of a member’s death. We handle all claims quickly, carefully and sensitively. If all is in order, we’ll then pay the lump sum life cover to the member’s beneficiaries (at the Trustee’s discretion).
We may require medical evidence if death is preceded by incapacity. And there’s no upper age limit for employees, except for death in incapacity or unemployment cover.
Our downloads below provide more information and forms to apply.
You can also email us at info@bandce.co.uk or give us a call on 01293 586666.
Case study
Company: Allied Infrastructure Management Ltd
Name: Kate Halliday, Commercial Director
Why did you choose B&CE’s Employee Accident Cover and Employee Life Cover (EAC/ELC)?
“Their [B&CE’s] history of working with the construction industry was an advantage as we also had to comply with the CIJC working rule agreement [which B&CE is in conjunction with]. The fact that B&CE is a not-for-profit organisation was a factor in choosing B&CE as it gave me confidence that they’re working for the benefit of their members, not shareholders.
What I like about B&CE’s EAC/ELC is that it is good value for money, relatively easy and varied enough for most of our staff, and it’s nice to offer different levels of cover to the workforce. It also adds security for our staff which we can rely on.”
How have you found working with B&CE?
“The application process was very easy. Our contact made it an absolute joy, gave me advice on the process and took it out of my hands.
I think operating the accident and life cover is simple enough and almost admin-free.
I’ve called a handful of times and each time the support has been amazing – absolutely fantastic. My queries were answered in a timely manner.
We had to make a claim shortly after opening the account with B&CE and I was blown away by how our contact handled the claim – it was amazing and very quick. She walked me through the claim step-by-step.
If I could describe B&CE’s EAC/ELC in three words, those would be: professional, easy and sympathetic.”
Would you recommend B&CE in the future?
“Yes I would recommend B&CE’s EAC/ELC to other companies. The type of cover gives staff confidence and security and they would see it as a benefit of working for that company, as well as giving staff access to the cover’s features quickly. If an employee needs to make a claim, it gives directors peace of mind that they’ve made the right decision of taking out accident and life cover with B&CE.”
All you need to know about EAC/ELC
For employees covered by Employee Accident Cover and/or Employee Life Cover.
Employee Accident Cover (EAC) and Employee Life Cover (ELC) is your employer’s way of financially protecting you and your loved ones. These benefits could help towards paying the bills, debts or other expenses.
Your employer may have chosen to offer life cover only or accident cover as well. Either way, our covers give an extra layer of reassurance that we – and your employers – have got your back.
If you’re working in construction and are over the age of 16, you might be eligible for our covers.
Cover benefits
- Financial support for you and your family with large pay outs – up to £40,000 for accidents and up to £240,000 for life cover
- Broad life cover – for accidental death, suicide, death in incapacity or after a redundancy
- Accident cover for a range of accidents – at work or on the way to or from work
- Easy to claim – our helpful UK team are on hand ready to guide you through the claims process
More on EAC
Your employer can offer our accident cover to you if you’re already covered by ELC.
We offer payments for a range of injuries. Find out more about the injuries that are covered.
It’s worth noting, EAC is only available to those who are resident in the UK and Isle of Man.
More on ELC
Your employer might choose to offer you ELC only. This cover would give a lump sum payment (normally tax free) to your beneficiaries if you died, for any reason, while still working for your employer.
There are 3 levels of life cover your employer can choose from. The table below shows these levels and the payments:
Life cover |
Minimum payment made if a member dies* |
Benefit rate if a member dies from an accident at work* |
|---|---|---|
| Standard | £40,000 | £80,000 |
| Double | £80,000 | £160,000 |
| Triple | £120,000 | £240,000 |
*Except for the case of ill health or unemployment where the payment is decided by the period of absence. Please see ‘Absence Taper’ on page 4 of the ELC Rules document for more information.
If you’re unsure which level your employer has chosen for you, please contact them or us.
Reminder – tell us your beneficiaries
It’s important to let us know who your beneficiaries are and if this changes. This is so your loved ones will be taken care of financially if you were to die.
How to claim
As a not-for-profit company, we try to find reasons to pay claims rather than reject them.
Please get in touch with us as soon possible and we’ll support you through the process.
For ELC claims, beneficiaries have up to 1 year to contact us about a member’s death. If all is in order, we’ll then pay the life cover as a lump sum to the member’s beneficiaries (at the Trustee’s discretion).
If we need to see any more medical evidence, we’ll let you know.
For all ELC and EAC claims support, email B&A@bandce.co.uk or call 0300 2000 555.