Business travel insurance

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Covid-19 (coronavirus) – important information

From 17th May 2021, a travel traffic light system is being introduced and trips to green list countries will be legally permitted if you live in England. Strict border control measures will remain in place for your return to the UK.

Before you buy, you should consider the implications of your destination moving from a green list country to amber or red as you may incur additional costs and/or face travel restrictions that will not be covered by your travel insurance.

The traffic light rules only dictate what you have to do on returning to England – so even if a country is on the green list, you still need to check your destination's entry requirements and the Foreign, Commonwealth & Development Office (FCDO) advice for travelling there. If the Foreign Office has advised against travel to your destination and you still decide to travel, you will not be covered by any travel insurance policy you purchase.

A few insurers do offer cover If you are an essential traveller, however if you are in doubt or have any queries, please check the policy wording, or contact your chosen provider before purchasing.

Until dates have been set to permit non-essential international travel from Scotland, Wales and Northern Ireland it is important that you follow all the rules that apply to your country of residence.

Business trip cover on your travel insurance

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.

What business travel insurance covers

The business element of your travel insurance could include cover for:

  1. Business money and equipment (sometimes including sports equipment)

  2. Samples and merchandise

  3. A replacement trip if the original is cancelled

  4. Bringing in a replacement colleague if you’re unable to continue

You’ll also be covered for the usual things travel insurance covers, like:

  1. Medical expenses

  2. Repatriation

  3. Money and travel documents

  4. Trip cancellation and curtailment

  5. Legal fees

Annual versus single trip cover for business trips

Whether you need single or annual cover for your business trip depends on how often you travel

Single trip

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 trip

Annual or multi-trip insurance is usually more cost effective if you’ll be going on two or more work trips within a year.

Are you already covered?

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.

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