It is increasingly common for organisations to require employees to work around the globe. Being a company’s most valuable asset it is important that employees are able to quickly access help for any incident that they may encounter in any country they may visit. Businesses are recognising that business travel and personal accident cover is also a way of enhancing their employment benefits.
Underwritten by a small group of reputable insurers, business travel and accident insurance provides cover for the effects of an employee being unable to work through injury or incidents that affect an employee or business on a business trip. Business travel cover can also be extended to include leisure travel for directors, partners and children. Some Travel insurance policies can be extended to include pre-existing medical conditions provided your doctor has confirmed you are fit to travel before you go. Business travel and accident insurance can be purchased separately.
This cover is suitable for businesses of all sizes and most non-commercial organisations such as charities, trades unions and social clubs can be included. Most trades and occupations can be covered. Cover can generally be available for employees up to 85 years of age.
Typical accident cover includes;
•Accidental death
•Loss of limbs or eyes,
•Permanent total disablement
•Temporary total disablement
•Temporary partial disablement
Typical business travel options include;
•Medical and emergency travel expenses inside the UK and overseas
•Legal expenses
•Personal liability
•Personal and company property
•Personal and company money
•Cancellation, curtailment and travel disruption
•Travel delay
•Hijack
•Kidnap for ransom or hostage
•Political evacuation
Policy limits and geographical areas of where cover operates can be selected. Depending on insurer, access to travel, health and security information is available online. For more information please call us on 0113 2500377.
