Business Travel Insurance - Global Travel Insurance

Our Business Travel insurance product has been developed to provide a highly valuable resource to companies looking to arrange annual travel insurance for employees that travel abroad on business trips.

Automatically Included

Holiday Travel and Winter Sports Extension automatically covered for All Directors or Partners, their Partner(s) and Dependant Child(ren)
Corporate Guests and Sub-Contractors automatically covered whilst travelling on behalf of the Insured
Personal Baggage wording on a ‘replacement’ basis
No pre-existing medical condition exclusions (provided they are not travelling contrary to medical advice, to obtain treatment or after a terminal prognosis)

Eligibility

Business Advantage is not available:-

If there have been claims in the last three years, or incidents that could have given rise to a claim had this Insurance been in force.
To client’s with trips lasting more than 31 days
To sole traders
Heavy Manual or Hazardous Trades (such as offshore work, construction and haulage), actors, armed forces and professional sports

SECTION and SUM INSURED per Insured Person per Insured Journey

Accidental Death/Loss of Eyes, Limbs, Speech, Hearing, Permanent Total Disablement Up to £50,000

Cancellation, Curtailment, Travel Disruption Expenses - Up to £10,000

Employee Replacement Expenses - Up to £7,500

Personal Baggage, Business Items and Money - Up to £7,500

Medical Expenses and Repatriation - Up to £10,000,000

Personal Liability - Up to £2,000,000

Hi-jack, Kidnap and Kidnap for Ransom - Up to £250,000

Travel Delay - Up to £750

Rental Vehicle Excess Waiver - Up to £250

Political and Natural Disaster Evacuation Expenses - Up to £15,000

Holiday Travel and Winter Sports Extension - Automatically covered for all Directors and Partners of the Insured

ACCEPTANCE CRITERIA

The quotation will be issued on the basis that you meet certain criteria. If you cannot confirm the statements below are true for your business, then please contact us so that we can provide you with a bespoke quotation.

• You are not a Sole Trader

• You are a UK Registered Company

• Your business is none of the following

Airline; Charity or Aid Relief; Construction: building, roofing, scaffolding, steeplejacks; Entertainment: actors, musicians and singers; Emergency services: ambulance, police, fire, search and rescue; Farmers; Media: journalists, radio and television presenters; Shipping: dockworkers, ships crews; Skip and crane hire; Professional and Semi-Professional sports; Transport: haulage, bus, coach, courier service, taxi;

Please contact us separately if you are undertaking any of these occupations as we may be able to provide a bespoke quotation

• You / the Insured have not had any incidents, accidents or travel claims (meaning business travel or Director’s holiday travel claims) within the past three years

• Your Directors/Employees are not

– Permanently seconded overseas

– Undertaking trips longer than 31 days duration

– Working on offshore platforms

– Piloting an aircraft

– Travelling to any areas of unrest (where the Foreign and Commonwealth office advise against all travel

– Transacting business with any Country where financial or trade sanctions are in force

HOW TO OBTAIN A QUOTATION

If you would like to obtain a quotation, please telephone or send us an email. We will then be happy to discuss your requirements and provide the appropriate Proposal Form for you to complete. The standard proposal form is available on this page for you to complete. We will submit that to the underwriters for their consideration, following which we will be able to provide you with a fully detailed quotation and the full policy wording.

Please note that if you require holiday and leisure cover for non directors, this will need to be specified at the point of application and will impact on the terms that we will provide.