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You need a life insurance policy to cover the risk of death and a health insurance policy as a cushion against hospitalisation expenses. Buy Personal Accident Insurance Coverage : http://goo.gl/zLxKjZ

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Personal accident insurance pays compensation for accidental injury or death and you can add to the simply business insurance policy.This insurance provide 24/7 hour of protection so can pays if you are injured while working outside of work.
Mainly it covers serious injury or death caused by accident and it can pay some of the things like medical cost hospitalization benefit which offers up to £20,000 for death and up to £10,000 of cover for the injuries..

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