Business Accident and Travel Insurance

Business Accident and Travel Insurance

As we’re sure any business owner will agree, their employees are their most important asset, and are key to the future success of the company.

As well as having public liability insurance and employers’ liability insurance in place to protect your employees in the event of them becoming injured or sick at work, it is also worth considering a business accident and travel insurance policy to provide protection if things go wrong while they are travelling on company business.

The last thing that any employer would want is for their staff to have an accident or fall ill whilst travelling, but unfortunately sometimes the unexpected can happen. If things don’t go to plan and employees are uninsured, who will cover the costs and uncertainty that they might face in terms of medical expenses and travel disruption?

As a business owner, it’s important that you have the correct business accident and travel insurance cover in place. Read on to find out how you can protect your business with the best travel insurance for business travellers from Black Lion Broking Services Ltd today.

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What is business accident and travel insurance?

Business accident and travel insurance will provide end-to-end cover to protect your employees if they suffer any unexpected difficulties whilst they are travelling for business purposes. This includes in the workplace, during their commute, or on business trips, and provides a financial safety net for workers, and for your business in the event that things don’t go to plan.

Why you need business accident and travel insurance

Employees can suffer accidents any time and any place whilst they are travelling for work, and therefore as a business owner it’s important to have business travel and accident insurance in place to cover any financial losses that they incur from sickness or travel delays.

Businesses of any size should consider business accident and travel insurance, especially if they employ members of staff. In the event of an employee suffering an accident or travel disruption whilst on a work trip, would you need to incur financial costs from employing a substitute member of staff during their sick leave or while you wait for them to return to work? If so, how would you pay for this?

In addition, it is also worth considering business travel insurance in order to fulfil your duty of care. It’s important to be a responsible employer who is committed to looking after their employees. This means safeguarding staff against any unforeseen events, whether they are working in the office, at home or travelling on business (either in the UK or abroad) – something which a business accident and travel insurance policy can reinforce.

What does business accident and travel insurance cover?

Travel and accident insurance for your business will help to protect your employees and your business whilst they are travelling for work. A policy will provide a broad range of cover, including unlimited medical expenses and travel disruption:

Provide personal accident cover for your employees:

  • An accident and travel insurance policy can provide employees with cover for the following whilst travelling on business:
  • Dental injuries
  • Loss of eyes and limbs
  • Broken bones
  • Loss of intellectual capacity
  • Disabling injuries and permanent disablement
  • Facial disfigurement (such as burns and scars)
  • Accidental death.

 

Provide cover for employees when travelling on business:

  • Today’s businesses are increasingly operating on a national and international level, which means that employees need to travel more often than ever. As a result, a business travel insurance policy can provide the following cover to help keep employees safe and secure whilst they are on the road:
  • Personal property whilst travelling
  • Electronic business equipment (such as laptops)
  • Travel and security assistance
  • Travel disruption (including cancellation, rearrangement and replacement expenses)
  • Evacuation in the event of political or natural disasters
  • Overseas medical expenses
  • Personal liability
  • Delayed or missing baggage
  • Replacing company money that is lost or stolen
  • Legal expenses.

How much does business accident and travel insurance cost?

The premium that you will pay for your business accident and travel insurance policy depends on the  size of your business, the number of employees that you are looking to cover, the level of cover that you need and the amount of cover that you will need to take out.

What else do I need to know about business accident and travel insurance?

As well as covering your employees when travelling for business meetings, conferences or events, it also possible to cover entertainment events with a business accident and travel insurance policy too.

The travel and accident insurance policy that you take out for your business can provide you with complete flexibility. For example, you can decide whether you want 24/7 cover for your employees, or whether you just want them to be covered whilst they are completing their occupational duties.

In addition, you might be pleased to learn that taking out a policy could take much less time than you think, as employee medical examinations are often not required, and business travel insurance can also provide cover for both one-off and multiple trips.

How can I get business accident and travel insurance?

Black Lion Broking Services Ltd have a team of experienced advisers ready to help you get the right protection in place for your business.  

We will take the time to understand the specific needs of your business and are committed to delivering a completely personalised service, ensuring that you have the best possible cover at the best possible price.

To find out how much peace of mind costs, contact Lee Walstow by calling: 01932 974434.

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