When you get travel insurance quotes, you need to say if you're travelling for work because not all insurers will cover business trips.
Policies that cover business travel will include what you’d expect to find on standard travel insurance, like medical cover and luggage cover, but also offer specific cover for business equipment, samples of merchandise, suits and (occasionally) golf cover.
You can get business cover as part of a single-trip, annual or long-stay policy, for an individual, couple, family or group.
The business element of your travel insurance could include cover for:
Business money and equipment (sometimes including sports equipment)
Samples and merchandise
A replacement trip if the original is cancelled
Bringing in a replacement colleague if you’re unable to continue
You’ll also be covered for the usual things travel insurance covers, like:
Money and travel documents
Trip cancellation and curtailment
Whether you need single or annual cover for your business trip depends on how often you travel
If you only go on one or two business trips a year that last a month or less, single-trip insurance would suit your needs.
Annual or multi-trip insurance is usually more cost effective if you’ll be going on two or more work trips within a year.
Some companies will offer its staff insurance as part of its employment package, so your business trip might already be covered.
If you’re self-employed, you’ll definitely need to arrange your own travel insurance unless it’s already covered as part of a packaged bank account or paid-for credit card.
Make sure you declare any pre-existing medical conditions you have, and check the policy includes travelling for business not just for leisure.