01 / The meaning
What it means.
The definition can differ across personal accident, travel, management liability and other covers. For example, an organisation may buy a policy while employees, directors or authorised travellers are insured persons under particular sections. Being connected with the policyholder does not automatically make someone insured. Age, employment status, duties, travel purpose or membership of a declared group can be relevant.
Distinguish the insured person from the policyholder who enters the contract and the beneficiary who may receive a payment. These roles can overlap, but need not. Update declarations when staff join, directors leave or business activities change. Also check whether former people remain protected for earlier acts or whether benefits depend on status at the time of an accident. Read each section’s definition rather than carrying one definition across the whole package.
02 / Put it in context
A practical example.
Hypothetical example: a charity arranges group personal accident cover and engages volunteers for an event. It checks whether those volunteers fall within the insured-person definition and declared activities instead of assuming all helpers are included.
This example illustrates the term. It does not predict a claim outcome.
03 / Read the detail
What to check.
- Identify named individuals and each eligible class of person.
- Check status, activity, age and territorial restrictions.
- Distinguish policyholder, insured person and benefit recipient.
04 / Start a useful conversation
A question for your broker.
Does this individual meet the relevant section’s definition at the required time?
05 / Connect the terms
Keep the meaning in context.
06 / Apply it to your business
Related insurance guides.
Further reading
Read the source guidance alongside the relevant policy wording.
General information only. This does not take into account your objectives, financial situation or needs. Before acting, consider whether the information is appropriate for you. Cover is subject to insurer acceptance and the policy terms, conditions, limits and exclusions. Read the Financial Services Guide and the relevant PDS (where applicable) and/or policy wording before deciding.
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