Business equipment
Whether it’s merchandise for a conference, company computer equipment or something else. Cover the equipment if it's lost, stolen or destroyed during your travels.
Business travel insurance
Protect individuals or groups of employees when they travel internationally often on an annual policy.
Get a business travel insurance quote
If you’re ready to purchase business travel insurance or if you have any questions, our advisors are on hand to help. We’ll get to know the needs of your business and the reason for the trips to ensure the policy meets all your needs. Provide some basic contact information, and a member of our team will be in touch.
0800 970 1618
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What is business travel insurance?
Similarly to personal travel insurance, business travel insurance protects employees when they're travelling overseas on behalf of their company. The policy would also cover employees for any leisure trips which do not exceed the maximum days as per the policy terms and conditions.
Our travel insurance partner - Pulse Travel
We’ve partnered with Pulse Travel, a trustworthy and experienced travel insurance company that has been supporting individuals, groups and businesses with their travel insurance needs since 1998.
What does business travel insurance cover you for?
The options will depend on who your provider is, the policy level you opt for, and whether you include any additional cover. We've listed some of the policy inclusions that you may be able to purchase below:
Cancellation
If you need to cancel a business trip due to unforeseen circumstances, your policy will reimburse you for some of the money lost.
Curtailment
If you need to end your trip earlier than planned due to unforeseen circumstances, you may be reimbursed the cost depending on why you curtailed the travel.
Delayed departure
When your trip is delayed for a certain period of time, you may be able to claim compensation up to the amount listed in your policy.
Delayed personal possessions
Where your personal items are delayed for longer than the period detailed in your policy, you’ll receive a payout to help cover some of the costs of purchasing new items.
Emergency medical expenses
If you have a medical emergency and need to visit the hospital, end your trip early, or extend your stay, you’ll be covered for the costs up to your policy limit.
GP 24/7 online
Access medical consultation services over the phone or via video calls to discuss any concerns you have.
Loss of passport
Receive cash towards the cost of getting a temporary passport, such as travel and accommodation expenses.
Personal liability
Cover for legal costs arising as a result of pursuing claims for compensation and damages resulting from an Insured Person’s death, illness or Bodily Injury during a trip.
Personal accident
If an accident happens that causes death, total loss of sight, limb damage or permanent disability, you may receive compensation depending on how the accident occurred.
Personal money
Should you lose or have your personal money stolen, you’ll be covered up to a maximum cash limit.
Personal possessions
If your personal belongings are lost, stolen or damaged, your policy will reimburse you up to the policy limit.
Missed departure
If you miss your flight due to issues with public transport or vehicle emergencies, you may receive a payout towards some of the costs you’ll incur as a result.
Sports equipment
If sporting equipment is being taken for the business trip, such as for company golf sessions, your policy will cover the items for loss, damage or theft.
Company money
Should an employee holding company money lose the cash or have it stolen, you’ll be reimbursed up to a cash limit.
Please note: the finer details of each cover option may vary per provider, and the above is used only to indicate what may be available to you.
What isn’t covered under business travel insurance?
Some exclusions will apply to your policy, and what these are depend on who your provider is and the type of policy you purchase. However, we’ve listed some common exclusions that you may not be able to find cover for:
High-risk sports and leisure activities, such as kite surfing and rugby.
Items, such as equipment, luggage or cash that's left unattended.
Reckless behaviour that leads to a claim being made on the policy.
Employees who are travelling to high-risk destinations.
What happens when you need to make a claim?
In the unfortunate event that you need to claim on your policy, you and your employees must understand the process. Each provider will have its own unique claims process, and they’ll be able to support you should something happen, but as an example, here’s what you may have to do:
01
Contact the local authorities
If your claim involves crime of any nature, such as having something stolen, or an accident leading to injury, you may need to contact the local authorities first. You may need to provide evidence during this stage that supports your claim at a later date.
02
Contact the insurance company
Make sure that your business travel insurance provider knows about the claim at the earliest possible date. They’ll be able to guide you on the steps you need to take next, such as what evidence to gather.
03
Provide evidence to support the claim
This may be police reports, medical information, receipts and anything else that helps to validate your claim. Depending on what the claim is for, you’ll need to gather different information, but your provider will guide you through this.
04
Receive the payout
Following a successful claim, the insurer will pay out a cash sum depending on your limits and the reason for the claim.
How much does business travel insurance cost?
How much you’ll pay for business travel insurance depends on the type of policy you purchase, your trip details, and more. Get a quote today and find out how much it will cost to cover your travelling employees.
Get a business travel insurance quote
Our advisors are ready to help you with your business travel insurance needs. Submit some basic information, and we’ll help you find a quote and cover your employees for their upcoming trip.
0800 970 1618
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
What our advisors have to say about business travel insurance
“If your employees regularly travel, business travel insurance provides protection and peace of mind for those travelling and their employer”
Premier choice group
Business travel insurance FAQs
How many employees are covered under a business travel insurance policy?
Does business travel insurance cover more than one trip?
Why choose Premier Choice Group?
Personal market analysis
Our team will personally review your options
Free comparison service
Our no obligation service is entirely free
Independent advice
Our advice is always unbiased and impartial
Fair analysis
We aim to offer a fair analysis of policies available on the market
Single UK-based contact
A UK based company providing a nationwide service
Qualified advisors
Authorised & regulated by the Financial Conduct Authority
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