Travel Insurance – A robust policy for all your business travel
If you are planning a business trip, have you thought about adequate Travel Insurance?
Whether you are a business owner or self employed, a Business Travel policy will cover yourself and your employees trips in the UK, across Europe and worldwide. We offer comprehensive travel package to protect the business and employees against and emergency medical assistance and other losses whilst travelling.
Medical and emergency travel expenses:This is unlimited and covers all medical hospital charges in respect of the insured person who suffers an injury or is ill whilst away from their normal country of residence.
Personal property:The policy provides cover for cost of repair and replacement of personal property should it be damaged, stolen or destroyed.
Cancellation and curtailment:The policy covers your loss, for example a deposit in the event of a cancellation or curtailment of a trip, together with additional travel expenses that could be incurred.
Personal Accident:Whilst abroad should the worst occur, the policy includes benefits to assist the business.
The policy provides other covers including delayed departure, loss of a passport, baggage and legal expenses.
Benefits of a Commercial Travel Policy
An annual Commercial Travel policy not only provides cover for employees business travel including foreign nationals who will be travelling from their country of domicile, but can also cover directors holidays.
Most Personal Travel policies have medical declarations and restrictions can be imposed whereas a Business policy is more flexible allowing the individual to travel as long as the doctor has approved the trip.
Directors holiday are automatically covered on a business policy and includes insurance for the directors, spouse / partner and their family.
Our clients have suffered a variety of incidents from the Iceland volcano eruption in 2010 to various cancellations and curtailments of business and holiday trips. Our director suffered an incident last year which we have documented in the following link https://www.lwood.co.uk/personal-travel-claim/ and he has been very grateful for the insurers assistance.