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Business travel insurance

Protect yourself and your business from financial hardship arising from illness or accidental bodily injury whilst travelling abroad on business. Business travel insurance is available on an individual or group basis, catering for a wide range of businesses.

At Towergate Riskline we understand that business travel abroad is totally different from travelling on holiday. We appreciate that you need the peace of mind from adequate and appropriate insurance protection throughout the trip.

Where business travel is concerned, in addition to the personal protection for you or employees, there are other essentials such as loss or damage to business equipment, money, baggage and personal effects at risk.

We summarise example benefits below and recognise that you may require higher limits or have other specialist needs and therefore policies can be tailored to suit your business requirements. Insurance cover can be arranged for a single trip or on an annual basis covering all trips during the year, saving you valuable time and administration.

One policy, one premium and annually renewable.

Benefits include

• Cancellation and curtailment up to £3,000
• Medical and treatment expenses (this section includes emergency assistance services) up to £5,000,000
• Travel delay up to £20 first 12 hours and £10 each full 12 hour period thereafter (maximum £100)
• Holiday abandonment up to £3,000
• Personal accident cover providing a range of lump sum benefits for accidental death, loss of limbs or sight (amounts vary with age)
• Personal liability up to £2,000,000
• Personal money up to £500
• Legal expenses up to £10,000
• Personal effects and baggage up to £2,000
• Standard £50 excess

Key exclusions (this is not an exhaustive list and you should refer to your Policy Wording and Policy Summary for full details)

• Maximum trip 178 days (60 days for winter sports)
• Please note certain hazardous activities are not included on this policy unless the appropriate additional payment has been made, whilst some hazardous activities may not be covered altogether; please seek advice from us if you are unsure about cover
• A maximum age restriction of 75years will apply to all trips
• Pre existing medical conditions will be excluded unless agreed by insurers
• Geographical limits will apply and cover will not be available for certain high risk areas

For more information on this business travel insurance please go to the frequently asked questions section.