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:

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

Key issues

  • Review of wordings including cyber risks
  • Coronavirus/communicable disease/pandemic exposures
  • Travel XoL Hours clauses
  • Conduct Risk, including Master policies and Group schemes
  • Confidentiality
  • US Affordable Care Act - Expat Health Plans. 


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 Non-Marine Underwriting

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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 and KX.