Business travel insurance

Find travel insurance for your business trip

  • Get a quote from just £2.20*

  • Covers cancellations and medical treatment

  • Compare quotes from up to 52 insurers

*The cheapest Business policy is £2.20 (based on 1 adult aged 31, with no previous medical conditions selecting cover for a business trip and travelling in Europe for up to 3 nights). Prices correct on the 20/07/2021.

Covid-19 - Important information 4th October 2021

On 4th October, the travel traffic light system is being replaced by a simplified set of rules for international travel. These rules tell you what you must do when returning to England, Scotland, Wales, and Northern Ireland from a red list country.

Before buying travel insurance, you should think about what could happen if your destination moves to the red list. You may face extra costs and face travel restrictions that won't be covered by your travel insurance policy.

It's important to check both your destination's entry requirements and the Foreign, Commonwealth and Development Office (FCDO) advice for travelling there.

If you travel against the FCDO advice, you won't be covered by any travel insurance policy you buy.

A few insurers do offer cover if you're an essential traveler, but if you have any questions, you should check the policy wording or contact your chosen provider before you buy.

What is business travel insurance?

A business travel insurance policy covers you when you’re travelling for business rather than going on a holiday. You’ll normally get the same cover as a standard travel insurance policy, but with a few extras tailored to cover you on a business trip.

To get a policy that includes business cover, when you get a quote, you’ll need to select business cover as an extra. We’ll then show you a range of quotes from insurance companies who offer business cover.

What does business travel insurance cover?

Business travel insurance offers the same type of cover as a standard travel policy, but also includes cover for travelling for work. This can include:

  • Business equipment including laptops, tablets, phones, and other personal belongings
  • Sports equipment such as golf clubs and tennis rackets
  • Extra expenses you may need to pay for because of missed connections
  • Company money can be covered if it’s lost or stolen
  • If your airline goes bust and you need to cover travel expenses

Your policy will also include standard types of cover such as:

  • Cancellation cover in case any travel or accommodation you have is cancelled.
  • Medical treatment and transport back to the UK if you’re injured of become ill while you’re away.
  • Baggage cover for lost luggage or any personal possessions that go missing on your trip.

Just choose the business trip option when getting your quote to see quotes that include this type of cover.

The level of cover and policy features can vary by insurer, so it’s important to check the information in your policy before buying to make sure you’ve got the right level of cover for your needs.

What are the different types of business travel insurance?

If you only travel for business occasionally, then single-trip business cover is probably best suited to you. It’ll cover all the essentials as well as your business equipment.

If you travel regularly for business, then an annual travel insurance policy with business cover will be better suited, as it can sometimes be more cost effective. It varies between insurers, but you’ll be covered for unlimited travel over a 1 year period, with a maximum limit of 31 days per trip.

It’s also important that you declare where you’ll be travelling to, as certain countries may require a different level of cover. For example, if you know you’re going to be travelling in Europe rather than worldwide, you can tailor your policy to ensure you’re only covered for what you need.

Do I need business travel insurance?

A standard travel insurance policy won’t provide cover for business equipment such as laptops and phones. If you’re travelling for work, the best way to make sure all your possessions and work equipment are safe is by getting a business travel insurance policy.

Your employer may already have cover in place for business trips, but if not, it’s worth considering your own policy to cover you while you’re away.

Compare business travel insurance quotes

Are there any exclusions with a business travel insurance policy?

Like a standard travel policy, the list of exclusions is the same. You can expect the following to be excluded from your policy:

  • Travelling against FCDO advice will mean any policy you have won’t be valid
  • Incidents involving alcohol and drugs are also excluded for claims
  • Any pre-existing conditions that you didn’t declare when you bought your policy won’t be covered
  • Not reporting any events within 24 hours of them happening. If you were to have something stolen or have an accident, you should report it to your insurer as soon as possible.
  • Injuries or claims from taking part in risky activities and sports may not be covered. If you’re planning on doing winter sports, you’ll need to add this to your policy.

Can I get a business travel insurance quote if I have a serious, pre-existing medical condition?

If you’re looking for a business travel insurance quote and have a pre-existing medical condition, you can still use our site to get a quote. These conditions could include cancer, stroke, serious heart, respiratory and terminal conditions.

Some insurers may not cover you if you already have a serious medical condition, or if you have several conditions. Others might only offer insurance at a much higher price. If you can’t find suitable cover, the Money and Pension Service (MaPS) has set up a directory of insurers willing to cover customers with pre-existing medical conditions.

You can find their directory of insurers on the Money and Pensions Service (MaPS) website or you can phone them on 0800 138 7777 for free impartial advice.

What our travel insurance expert says

Make sure you have the right cover in place before you travel - standard policies won’t cover you for business equipment or loss of company money. The last thing you need is to pay out for any lost equipment while on a work trip!
Jac Morris signature

Jac Morris

Travel insurance product executive

Need more help?

Does standard travel insurance cover business trips?

No, a standard travel insurance policy won’t have the right level of cover for business trips. Your business equipment, such as laptops and phones, wouldn’t be covered on a standard travel policy.

To make sure you’re covered for business trips, select business cover when getting your quote.

Can I add extras on to my business travel insurance policy?

Yes. If you’re planning on taking part in activities like winter sports on your trip, you can add cover for them into your policy when you’re getting a quote.

Is business travel insurance a legal requirement?

The short answer is no, as no form of travel insurance is a legal requirement. However, if you travel without an insurance policy, and something of yours was stolen or you had an accident, you’ll have to foot the entire bill.

Getting a business travel insurance policy with the right level of cover means you can focus on the business of your trip, knowing that your equipment and any cancellations are likely to be covered.

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