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Business Travel Plan

Business Trip Plan

A group plan for humanitarian activities in Nairobi doesn’t have the same needs as a business project in Bangladesh. That’s why we tailor plans based on destinations, demographics, activities, and specific needs.
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SEE BENEFITS

Comprehensive policy tailoring

Forget one-size-fits-nobody insurance products.

Once we’ve targeted the bare essentials with one of our standard travel benefits plans, the tailoring process begins. We match add-ons based on a group-specific profile. We use our extensive experience, innovative underwriting, technology and ground-breaking services to design policies that provide a comprehensive solution for your organisation’s travelling needs.

The best part? You decide what you need.
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With our international business travel insurance policies, employees get the coverage they need to succeed, whether visiting an international conference or on a placement overseas. We’re able to build and develop policies for your team, understanding the unique demands and needs of each community.

We understand that global companies need reliable access to high-quality services backed by insurance benefits that deliver real-time solutions in changing situations.

We customise policies for multinational universities, tailored for their travelling employees travelling worldwide. We ensure that on-the-ground emergency support is built into every solution with 24/7 access and support.

We work with universities, groups of students, educators, and researchers living, studying and working around the world.

We work with NGOs, humanitarian aid groups, mission groups, charities and many other foundations with employees travelling globally, including in hostile or challenging destinations.

Our team connects with agents on the ground to find the most appropriate hospitals, engage with translations, manage logistics and liaise with local governments, all using cashless medical networks to keep things moving efficiently and effectively.

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FAQ

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Business Travel

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What counts as a group?

Our business travel insurance policy covers individuals and groups of travelling employees.  A travelling party of 2 or more people would qualify as a group.

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What type of companies or groups do you work with?

We provide business travel insurance for companies in all sectors. Our clients are from a range of industries, including tech, consultancy, manufacturing, finance, media, events, travel, education, not-for-profit, and more!

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What do we need to provide to get a quote?

Getting a quote for business trip cover is simple with battleface. During the quoting phase, we’ll ask you about:

  • The size of your company
  • The estimated number of trips your team will be taking
  • The start date of your cover

As well as this, we’ll require some additional top-level information about you (name, job title, email) and your company (name, industry, business address).

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Do you work with insurance brokers?

Yes, we work with insurance brokers to provide our business travel insurance.  To partner with us, please get in touch.

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Do I need to notify battleface of every employee who is travelling?

We like to keep things simple; so, when purchasing business insurance with us, we only require you to tell us the number of employees that are travelling.

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Can I see the policy prior to purchase?

Yes, to view the full details of the policy, inclusive of exclusions and limitations, please click here.

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Will the policy cover my team for leisure travel?

Yes, battleface’s business travel insurance policy will cover your team for leisure travel. Incidental leisure travel (3 days either side of a business trip) is included as standard for anyone wanting to tag some sightseeing on to their trip. Extended leisure travel can also be added for additional cost if this is required.

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Can I send a group of travellers for my NGO project or student group for a study abroad?

Our business travel insurance is intended for corporate groups participating in low-risk travel such as (but not limited to): trade shows, meetings, expos, summits, presentations, retreats, and conferences.

For educational trips and NGOs we can offer a more bespoke solution, so get in touch at [email protected] to discuss your insurance needs.

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Can we include subsidiary companies?

Yes, subsidiary companies can be covered by our business travel insurance policy as long as they are included in the title of the insured when purchasing the policy.

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Can we include sister/parent companies that operate their businesses independently?

Yes, sister or parent companies can be included in your business travel insurance policy so long as they are based in the UK.

If they are based in the European Union, they will need to purchase a separate policy via this link. Please note the product is not available in Albania, Bosnia & Herzegovina, Croatia, France, Hungary, Italy, Kosovo, Moldova, Montenegro, Poland, Portugal, Switzerland or Spain. 

If they are based in the USA, they will need to purchase a separate policy here.

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What is the maximum age limit under the policy?

The maximum age limit under the policy is 80 years.

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Can we include non-UK employees?

Yes, you can include non-UK based employees that are residents in the European Union, USA or Canada — only so long as the total number of trips declared includes these additional persons.

The non-UK subsidiary companies will need to be included in the company name when purchasing the policy.

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Can we include temporary staff, contractors or sub-contractors?

Yes, you can, as long as the trip itself is exclusively on behalf of your company and the trips are included in the total number declared when purchasing the policy. The staff members do not have to be employed by your company full-time.

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Is battleface’s business insurance cover only available during working hours? (EG: 9 to 5)

Our business insurance cover starts when an insured person leaves their home or place of work (whichever last) and runs until they return to their home or place of work (whichever first). Whilst on a business trip, our cover operates 24/7  for insured persons.

For cover for any domestic trips, the trip must involve an internal flight or overnight stay and does not include any medical expenses cover.

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Does the policy include Search and Rescue cover?

Yes, under Section 1 – Medical Expenses, Repatriation and Emergency Travel Expenses, using approved rescue or police authorities is included in our business travel insurance (subject to the limit stated in the policy wording).

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battleface travel insurance

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Policy benefits

Underwritten by certain underwriters at Lloyd’s and provided by battleface Insurance Services Ltd.

Medical Expenses, Repatriation and Emergency Travel Expenses €10,000,000
Coverage for bodily injury following an accident or illness in respect of medical expenses, repatriation and emergency travel expenses which are necessarily incurred as a direct result
Cancellation, Curtailment, Replacement and Change of Itinerary €5,000
Coverage if the insured person or company is forced to cancel a journey, curtail a journey, replace an insured person on a journey or rearrange to resume a journey
Baggage, Delayed Baggage and Business Equipment €5,000
Coverage for lost damaged stolen or destroyed baggage during a journey
Money, Passport and Credit Cards €2,000
Coverage for lost money, travellers’ cheques, driving licences, and travel tickets, or financial loss as a result of a credit card being stolen or lost
Personal Accident Lump Sum Benefit €100,000
Coverage for Accidental Death and Permanent Total Disability in the event of an accident whilst travelling
Personal Accident weekly benefit 1 * €250 per week payable up to 104 weeks, excluding the first 07 days
Coverage for temporary total disability in the event of an accident whilst travelling
Coverage up to agreed limits for legal expenses
Personal Liability €5,000,000
Coverage up to agreed limits for personal liability
Hijack, Kidnap and Detention €250,000
Coverage for unlawful seizure and containment of the insured person
Evacuation €50,000
Coverage for expenses incurred in the event of an emergency evacuation
Personal Security Specialist Expenses €10,000
Coverage for costs incurred to employ security services following a life-threatening situation
Corporate Event Cover €25,000
Coverage for guests of the company sustaining bodily Injury or death following an accident whilst on any corporate event

* Benefit must not exceed 100% of an insured person’s gross weekly wage.

** Benefit must not exceed 50% of an insured person’s gross weekly wage.

FRAUD WARNING STATEMENT

FOR RESIDENTS OF ALL STATES OTHER THAN THOSE LISTED BELOW: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

ALASKA: A person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.

ARIZONA: For your protection Arizona law requires the following statement to appear on this form. Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.

CALIFORNIA: For your protection California law requires the following to appear on this form: Any person who knowingly presents false or fraudulent information to obtain or amend insurance coverage or to make a claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. 

COLORADO:  It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies.

DELAWARE: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.

FLORIDA:  Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

IDAHO: Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.

INDIANA: A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.

KANSAS: A “fraudulent insurance act” means an act committed by any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written, electronic, electronic impulse, facsimile, magnetic, oral, or telephonic communication or statement as part of, or in support of, an application for the issuance of, or the rating of an insurance policy for personal or commercial insurance, or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto.

KENTUCKY: 

Application: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

Claim Form: Any person who knowingly and with intent to defraud any insurance company or other person files a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

MAINE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

MARYLAND:  Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MINNESOTA:  A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.

NEW HAMPSHIRE: Any person who, with a purpose to injure, defraud, or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.

NEW JERSEY:

Application: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.

Claim Form: Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties.

PENNSYLVANIA: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

NEW MEXICO: ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES.

OHIO: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

OKLAHOMA: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

OREGON: IMPORTANT NOTE: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance may be guilty of a crime and may be subject to fines and confinement in prison.

TENNESSEE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefit.

TEXAS: Any person who knowingly presents a false or fraudulent claim for payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. 

VIRGINIA: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. 

WASHINGTON: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

NEW YORK*:  Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.