There should be no personal injury exclusion for offenses related to employment. 4. The definition of personal injury be extended to include mental injury,.Life, Accident, and Health Forms. Please use the checklist below to indicate the operation in the QBE Pacific Islands region to which you will be submitting your proposal. MARKET. Zurich's Group Personal Accident Insurance includes coverage options for Accident Medical Expense; Accidental Death and Dismemberment or Catastrophic Injury. 1. YOU must answer all questions giving full and complete answers. 2. It is YOUR duty to provide all information that is requested in the Proposal Form. Complete all items of the enrollment proposal form on page 5. 3. Texas law permits you to make certain decisions regarding Personal Injury Protection Coverage. No. of Employees Basis of Cover.