Personal Accident Business Panel

Membership of this committee is made up of underwriters and technical practitioners from LMA member organisations. The Personal Accident Business Panel meets once a month and reports to the LMA Non-Marine Committee [NMC]. Click here for the Business Panel Terms of Reference and the list of current committee members.

Role of the Panel

The role of the Personal Accident Business Panel is to:

  • Provide a forum for exchange of views and information between market practitioners.
  • Identify issues of interest or concern to LMA members, for discussion within the Panel and/or referral as appropriate to the relevant LMA Committee and/or the LMA Executive
  • Liaise with the NMC, to develop or revise policy wordings or clauses for adoption as LMA model wordings, establishing working groups as necessary to undertake this work
  • Respond to requests from the NMC, the LMA Executive and other LMA Committees and Groups for advice and recommendations
  • Liaise with the NMC, to undertake other technical activities, establishing working groups as necessary to undertake this work

Key issues

  • Review of UK consumer PA wordings
  • Coronavirus/communicable disease/pandemic exposures and long Covid
  • Passive war coverage (D&F and treaty)
  • Conduct Risk, including Master policies and Group schemes


The Personal Accident Business Panel issues wordings and clauses from time to time which are available for market use. The most popular wordings issued are listed below:

LMA5500 - Infectious or Contagious Disease Exclusion during a PHEIC 
                      (for use on consumer and commercial Accident/ Accident & Illness policies) 

LMA5433  - Cyber Exclusion for use on AH and travel policies

Contact us

David Powell
Head of Technical Underwriting

View Profile

Risk codes

The business scope of the panel is Personal Accident, travel and health including issues connected with the following Lloyd’s Risk Code classifications: KG, KS, KT, KM, KL, KC, KA, KX and KB.