travel insurance for business & employees

Should you or your employees travel abroad in the course of work then it is highly recommended that you consider a travel insurance for business policy.

We are sometimes asked

The answer is that the majority of holiday travel insurance policies will not cover business trips on existing personal policies. This is not widely known, so it is perhaps not surprising to learn it is estimated that up to a million business trips are made from the UK each year that involve inadequate insurance.

Generally travel insurance for business policies will provide specific cover for replacement or hire of business equipment that is lost or damaged. The most common example of this is a stolen mobile phone or laptop computer.

Employee Replacement is another area of cover that can be added to a business travel insurance policy. This provides cover for the costs of having to send another employee to perform a duty if the original traveller is not able to. eg. An engineer travels abroad to fix some machinery but becomes ill – the costs of sending out another engineer will be covered.

The following types of travel insurance for business policies should be considered:

“are my employees covered for business trips on their own annual travel insurance?”

Contractors

Tradesman

Single Trip Business Travel Insurance

For individual employees undertaking a one off business trip.

Long Stay Business Travel Insurance
For individual employees undertaking a business trip with a stay of over one month.

Annual Business Travel Insurance
For individual employees who will undertake three of more trips abroad in twelve month period.

Group Business Travel Insurance
For a group of employees undertaking a one off business trip.

Company Annual Business Travel Policy
For employees that travel abroad regularly, it is possible to arrange insurance in a single policy that will cover these employees for a designated number of trips per year. This can often be a way to save money as well as reducing hassle and administration.

Office

Hotel

Taxi

Business travel policies can also be amended to cover the family of the employee as well. If an employee plans to extend the business trip to include some holiday travel you may find that some allowance for leisure travel is included as standard. If not this can be added often at little or no extra cost.

TRAVEL INSURANCE FOR BUSINESS MAY COVER :

Cancellations & Curtailment

Abandonment

Missed Departure

Employee Replacement Expense

Personal Accident

Medical Expenses

Hospital Benefit

Personal Baggage

Delayed Baggage

Travel Delay

Passport

Money

Business Cash

Documents

Personal Liability

Legal Expenses

Business Equipment

Laptop Replacement Expense

TRAVEL INSURANCE FOR BUSINESS WITH CARVEL

Carvel only deals with commercial insurance. Should you require a business travel insurance quote, Carvel will provide the following benefits to your business :

Instant advice & service from commercial insurance
specialists – not a call centre

Low premiums selected from major panels of insurers
providing travel insurance for business

Dedicated Account Manager + In-house Claims Management
= Less Admin & Great Service

FREE Advice and guidance for specialist cases and insuring
specific medical conditions