Business Travel & Personal Accident Cover
Protecting your people wherever business takes them.
What is Business Travel & Personal Accident cover?
Business Travel & Personal Accident Cover is designed to protect employees while they are travelling for work, whether in the UK or overseas. It provides financial protection and practical support should the unexpected happen while an individual is undertaking business-related activities.
This cover plays an important role in meeting duty of care obligations, as it helps ensure that staff are adequately protected wherever their role takes them.
What does it include?
Business Travel Cover
Business Travel Insurance covers employees while they are away from their usual place of work on company business.
This can include short domestic trips, international travel, conferences, meetings or temporary overseas work.
Cover typically includes:
- Emergency medical expenses
- Medical evacuation or repatriation
- Trip cancellation or disruption
- Loss or delay of baggage and travel documents
- Personal liability while travelling for work.
Personal Accident Cover
Personal Accident Cover provides financial support if an employee is seriously injured, disabled, or killed as a result of an accident whilst travelling for work.
Cover typically includes:
- Accidental death benefits
- Permanent total or partial disability
- Temporary disablement
- Assault or violent attack.
Combined Protection for Employers and Employees
Combining Business Travel and Personal Accident cover offers comprehensive protection for both the business and its people. It helps minimise financial exposure, supports employees and their families at difficult times, and provides peace of mind that suitable arrangements are in place should the unexpected happen.
At Kingfisher Insurance, we tailor the policy to reflect how your business operates, ensuring the level of cover aligns with your travel patterns, employee roles, and risk profile.
Why Do You Need Business Travel & Personal Accident Cover?
When employees travel for work, the risks they face increase – and those risks are not always covered by standard insurance policies.
Business Travel & Personal Accident Cover includes:
- Protection for employees while travelling away on business
- Provides cover specifically designed for work‑related travel
- Supports employer duty of care obligations
- Offers financial protection in the event of serious injury or death
- Provides access to emergency assistance when it matters most
- Helps reduce financial and reputational risk for your business.
At Kingfisher Insurance, cover is tailored to reflect how your business operates, ensuring protection aligns with your travel requirements and risk profile.
Why choose Kingfisher Insurance?
Commercial Insurance Experts
Access to different insurance providers to provide suitable cover for your business.
Exceptional Service
A great service from a knowledgeable, friendly, UK-based team.
Tailored Policies
Specifically tailored to your business needs and its risk profile.
Frequently Asked Questions
Is Business Travel & Personal Accident cover a legal requirement?
It is not a legal requirement, but employers have a duty of care to protect the health and safety of their employees while they are working, and this includes when travelling for business. This cover helps demonstrate that the appropriate arrangements are in place.
Does personal travel insurance cover business trips?
In most cases, personal travel insurance does not cover work-related travel or business activities. Relying on personal policies can leave employees exposed to risks, which is why having a policy that is designed specifically for corporate travel risks is a favourable option.
What types of travel are covered?
Cover can include UK and overseas business trips such as meetings, conferences, site visits and temporary overseas arrangements. The policy can be arranged on a single-trip or annual multi-trip basis, and this will very much depend on your business requirements.
Who can be covered under the policy?
This policy can cover directors, employees and, in some cases, contractors. The cover can be arranged on an individual or group basis and tailored to reflect employee roles and travel patterns.
Can the cover be tailored to my business?
Absolutely.
At Kingfisher Insurance, cover is arranged on a bespoke basis, taking into account how your business operates, where employees travel, and the level of risk involved. This ensures that the protection aligns with your specific needs as a business.
When should Business Travel & Personal Accident cover be considered?
This policy should be considered whenever employees travel away from their usual place of work on company business, whether for meetings, conferences, site visits or overseas assignments. Even occasional business travel can expose both employees and employers to additional risks.
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