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What Should Business Travel Insurance Cover?

So you’ve been tasked with arranging business travel insurance for an upcoming work trip. Excellent stuff. But what is business travel insurance exactly? And more specifically, what should it cover?

From medical and cancellation costs to event and equipment cover, the best business travel insurance takes the hassle out of travelling abroad with your team.

Standard travel insurance typically doesn’t cover the types of situations we just mentioned, if they happen while travelling for work. This is where business travel insurance comes in. It provides coverage for business travellers, whether you’re on a big company retreat in Thailand or attending a business conference in Belgium.

If you need some help getting started, we’ve got your back with this handy guide to choosing the right policy for your company.

Spoiler alert: it’s surprisingly straightforward.

What is business travel insurance?

In a nutshell, business travel insurance is a policy that covers you for unexpected expenses when you’re abroad for work.

Whereas standard travel insurance covers things like lost luggage, cancelled flights and medical costs for leisure trips, business travel insurance includes these, plus additional add-ons that are relevant to the work you or your employees will be doing.

So, whether a work laptop goes missing or a replacement colleague needs to be flown out due to someone falling ill, your business will be covered for unexpected expenses.

Do I need business travel insurance?

As with any insurance, it’s a case of “better safe than sorry”. So yes, if your team is travelling abroad for a work conference or maybe even some team-building fun, it’s definitely a good idea to take out a policy for peace of mind.

Covering you from disruptions, misplaced business equipment, and medical emergencies, having the right level of business travel insurance for your needs means you can focus on what really matters.

Here’s what business travel insurance should cover:

Medical and emergency travel expenses

This covers medical costs, emergency travel, and returning an employee home if they get hurt or sick due to an accident or illness.

Cancellation cover

Covers costs if you have to cancel, cut short, change or restart your trip. It will often cover the expense of having to replace someone.

Liability cover

Protects you or your business if you’re held legally responsible for unintentionally injuring someone or causing property damage during a work trip – including the cost of legal fees and compensation.

Equipment and baggage

Protection if baggage is lost, stolen, damaged, or destroyed while on a business trip.

Plus other standard travel insurance protection, such as:
  • Money, passport and credit cards
  • Hijack, kidnap and detention
  • Emergency evacuation
  • Personal security specialist expenses

What is the difference between personal and business travel insurance?

Both personal and business travel insurance policies cover certain expenses like medical, lost baggage and cancellation. However, the key difference with business travel insurance is that it provides additional cover for costs that could arise, specifically if they happen when you’re travelling abroad for work.

It can be hugely stressful if something happens while you’re away on business, only to find out that your traditional insurance policy won’t cover you.

Thankfully, whether it’s a lost laptop or something more serious (like an employee having an accident during a work trip), a business travel plan protects your company and employees, whatever the destination.

Choosing the right insurance provider

Sifting through the options for business travel insurance is a whole task in itself. Whether you’re a PA or a small business owner arranging a work trip abroad, business travel insurance at battleface is designed to provide a simple policy you can rely on.

It’s not just a one-off thing, either. We specialise in one annual, comprehensive business travel insurance policy, so you can plan up to 500 trips in a year – safe in the knowledge that you’ll always be covered.

What’s the best business travel insurance option: single-trip or annual?

If it’s an absolute rarity that your business takes you abroad, then a single-trip business travel insurance policy will be enough.

However, if your team or employees travel overseas frequently, then an annual multi-trip business travel insurance policy will save money and time.

battleface business travel insurance at a glance

At battleface, we cover work trips for businesses across a wide range of sectors – from charities, healthcare providers and financial institutions to tech companies, legal services, agencies and more.

Highlights include:

  • Coverage for up to 1,000 employees for trips up to 31 days each
  • Protection for pre-existing health conditions
  • Access to 24/7 worldwide travel and medical assistance services
  • A fast and easy claims process you can submit on your phone

Do employers have to provide travel insurance?

While there’s no legal requirement to provide travel insurance in particular, your business is legally required to ensure the health, safety, and well-being of employees at all times.

This includes work-related travel, so it makes sense to opt for a business travel insurance policy – both for your peace of mind and the good of your people.

Want to take the next steps to cover your business travel? If your company has between two and 1000 employees and plans to take up to 500 trips in a year, we can help you.

Get started below with an instant quote.

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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.

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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.