Business Travel

Some general risks of business travel include:

• Cancelling due to illness
• Curtailing the trip for any reason
• Becoming ill and requiring medical treatment
• Sustaining injuries or hurting someone else accidentally
• Losing luggage, money or identification
• Exposing yourself or your employees to an increased risk of injury or death, depending on the destination
• Suffering delays due to severe weather

These general risks are not all-inclusive. The list lengthens considerably once individual circumstances are considered.

No matter how many extensions you purchase, certain activities and situations will probably never be covered by a business travel policy. Exclusions vary amongst insurers, but they typically refuse to pay claims in the event of:

• War
• Radiation and contamination
• Criminal actions
• Terrorism
• Winter sports
• Extreme sports
• Flying, unless as a fare-paying passenger
• Travelling against medical advice
• Pregnancy-related claims such as travelling within eight weeks of a due date

The multi-faceted nature of business travel insurance probably means your employees are under-insured in some way. Let Willis Insurance & Risk Management help you find these gaps before you find out the hard way.