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Accident insurance is taken out to financially insure employees and/or their families in case of a fatal accident or a severe physical injury with permanent effects. In the hospitality industry, hotel owners usually take out this kind of insurance for their guests.
Accident insurance covers the risk of death due to accidents or total permanent disability, death through injury, temporary work disability brought on by an accident – daily wage and hospital treatment, and continuing treatment costs.
An accident first and foremost includes the following: being run over, having a collision, being hit by any object or crashing into an object, electrical or lightning injuries, falling, skidding, being shot by a weapon or hurt by any other item or explosive material, being stabbed, hit, or bitten by an object or animal.