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Whether you’re a new business venturing into travel or simply seeking a great deal on business travel insurance, we’ve got you covered! We aim to provide you with the perfect policy that suits your needs and ensures peace of mind while keeping things relaxed.
Professional
tailored advice
Competitively
priced policies
Comprehensive
cover options
Professional
tailored advice
Competitively
priced policies
Comprehensive
cover options
What you need to know about
Business travel insurance, also referred to as corporate travel insurance in the insurance industry, is a type of insurance policy specifically designed to cater to the unique needs of individuals travelling for business purposes. This comprehensive coverage extends to directors, employees, and their immediate family members. It offers a combination of insurance coverage for both business and leisure travel, with the flexibility of declaring travel plans on an annual basis. With this annual travel insurance policy, you can travel worry-free, knowing that you and your loved ones are protected from any unforeseen circumstances that may arise during your trips.
After the initial shock of COVID-19, travel came to a halt, and businesses decided to cancel non-essential trips. However, business travel is expected to resume as the world gradually reopens. It’s important to acknowledge that the risks associated with travelling persist and, in some cases, may even be greater. This underscores the importance of businesses having travel insurance in place to protect their employees and mitigate potential risks.
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You can nominate either the Directors and employees, or you can extend the nomination to include the Directors, employees, and even their associated family members. It’s a flexible choice that allows for a wider range of participants, making it more inclusive and engaging.
When you get a new policy or renew your business travel insurance, the insurer will ask for an estimate of how many travellers and trips you expect. This includes personal and business travel, but most should be for business. This way, they can calculate the premium for you.
Anyone can easily set up a business travel insurance policy. However, this type of coverage is specifically tailored for companies and business owners who frequently travel, whether it’s by car, air, or boat. Protecting against potential financial losses or delays that could occur if any of your employees or directors encounter travel disruptions or sustain injuries while away is crucial. Don’t let unexpected circumstances hinder your business ventures!
You have two options when it comes to travel insurance. You can opt for a single-trip policy if you don’t travel regularly. This covers you for a specific trip. On the other hand, an annual travel policy might be more suitable if you travel frequently. With an annual policy, you’re covered for all your trips within a certain period. It saves you from the hassle of getting a new policy every time you travel. The annual policy is based on your estimated travel plans for the year. So, whether you’re a regular traveller or an occasional adventurer, there’s a travel insurance option that fits your needs!
A common claim example
A Director and an employee travelled to London for a business conference. The employee was involved in a car accident and needed to go to the hospital.
The employee could not attend the conference and couldn’t travel home on the originally booked flight. As the company had a business travel insurance policy in place, the medical expenses and changes to the flight bookings were covered under the policy.
Plans can change quickly when you’re travelling, so it is important to have sufficient travel insurance for your business and your employees. A business travel insurance policy will ensure you receive first-world care regardless of where you are.
The insurance policy will also cover emergency evacuation flights, assisting with severe events like kidnapping and ransom and missed connecting flights.
Regarding business travel insurance, you can rest easy knowing that you and your employees are covered during insured trips. In the unfortunate event of an incident and the need for medical expenses, these policies have got you covered. Plus, you’ll receive care that matches the standards of first-world countries. So go ahead, travel with confidence and peace of mind!
If you happen to experience a delayed flight resulting in a missed connecting flight, no need to worry! A business travel insurance policy has got you covered. It will take care of the expenses related to continuing your travel, including accommodation and adjusted flight prices.
If, and only if, the Department of Home Affairs did not issue a “do not travel” warning before your departure, your travel insurance will typically cover the expenses related to evacuating from a country experiencing civil unrest. It’s always a good idea to stay informed and be prepared for unexpected situations while travelling.
You can however, most travel agencies will only give you cover for a single trip and you must take it out for every bit of travel that you do. A business travel policy will also cover travel that isn’t booked through travel agents for employees attending things like road-shows, conferences and other events which they might drive to. A travel agent usually can’t assist with the claim management side of things. They will only direct you to lodging the claim. An Insurance Broker can work with you to recover your entitlements.
Yes, all of our policies will provide you with emergency costs related to medical expenses that you incur.
On an annual travel insurance policy yes, you are covered for travel that is outside the estimated trips that you have declared. If you begin to travel more regularly than we need to increase the trips and duration with the insurer when the policy renews.
An annual business travel insurance policy will provide cover for both domestic and international travel provided that it is declared on your policy.
Why should you use Priority Insurance Brokers to arrange your Business Travel Insurance?
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