Business Travel Insurance

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What Is Business Travel Insurance?

Business travel insurance is a type of travel insurance designed for people travelling abroad for work-related purposes. It provides protection for medical emergencies, work-related activities, business equipment, and unexpected travel disruption while you are travelling for business. Business travel insurance typically offers broader cover than standard leisure travel insurance, which may exclude business activities or business equipment.

Business travel insurance is suitable for employees, self-employed professionals, and company directors travelling overseas for meetings, conferences, training courses, or to carry out work-related duties.

Business travel insurance can be added to Covered2Go travel insurance policies at the time of purchase, subject to policy terms, conditions, and exclusions.

Do I Need Business Travel Insurance?

If you are travelling abroad for work, business travel insurance is strongly recommended. Standard leisure travel insurance may not cover work-related activities, professional duties, or business equipment such as laptops, tablets, or samples.

Business travel insurance provides additional protection when travelling for professional reasons, including cover for:

  • Carrying business equipment such as laptops or tablets

  • Attending meetings, conferences, or training courses

  • Undertaking certain types of manual work overseas

For example, if your work laptop is lost, stolen, or damaged during your business trip, business travel insurance can help cover the cost of replacement.

What Does Business Travel Insurance Cover?

Covered2Go’s Business Cover provides protection for a range of work-related risks, including:

✔ Work-Related Activities

  • Cover for non-manual work as standard during leisure, holiday, or business trips

  • Optional extension to include manual work, subject to an additional premium and confirmation on your policy schedule

Manual work cover applies to general work not involving industrial or mechanical machinery (other than handheld power tools) and carried out at heights not exceeding 2 metres.

✔ Replacement Business Travel Costs

  • Reasonable additional travel and accommodation costs (up to £2,500)

  • Covers the cost of sending a business partner, director, or employee from the UK to replace you at a pre-arranged meeting if you are medically unable to work abroad

✔ Business Equipment Cover

  • Cover for lost, stolen, damaged, or destroyed business equipment up to £1,000

  • Cover for business samples or documentation up to £500

  • Applies while items are being carried with you during your trip

What Type of Business Travel Insurance Do I Need?

The right policy depends on how often and where you travel.

How Often Do You Travel for Work?

While annual policies may cost more upfront, they are often more economical than purchasing multiple single-trip policies.

Where Are You Travelling To?

When getting a quote, you’ll need to select the appropriate area of cover based on your destination:

  • UK

  • Europe

  • Australia and New Zealand

  • Worldwide (excluding USA, Canada, and Caribbean)

  • Worldwide (including USA, Canada, and Caribbean)

Choosing the correct region ensures you’re fully covered for medical costs and other risks.

Does Business Travel Insurance Include Standard Travel Cover?

Yes. Business cover can be added to all Covered2Go travel insurance policies, meaning you also benefit from standard travel insurance features, including:

  • Up to £10 million medical expenses and repatriation

  • Cover for personal possessions, including mobile phones

  • 24-hour emergency medical assistance

Are There Any Exclusions on Business Travel Insurance?

As with all insurance policies, exclusions apply. Common exclusions include:

Pre-Existing Medical Conditions

Medical treatment may not be covered if it relates to a pre-existing condition unless it has been declared and accepted before travel. For specialist support, visit the MoneyHelper Directory.

Travel Against Official Advice

There is no cover if you travel against advice issued by the Foreign, Commonwealth and Development Office (FCDO), government, local authority, or medical professionals.

Claims Resulting from Intoxication

Claims for injury, damage, or loss will not be covered if you were under the influence of alcohol or drugs at the time of the incident.

For full details, exclusions, and policy conditions, please read the Policy Wording carefully before purchasing.

How Much Does Business Travel Insurance Cost?

The cost of business travel insurance depends on several factors, including:

  • Age – Premiums are generally lower for younger travellers

  • Activities – Higher-risk activities such as winter sports or scuba diving can increase the premium

  • Destination – Travel to destinations like the USA or Canada is typically more expensive due to higher medical costs

  • Trip Length – Longer trips usually result in higher premiums

Get a Business Travel Insurance Quote Today

If you’re travelling abroad for work, make sure you’re properly protected.

Get a business travel insurance quote online today and add business cover to your policy for peace of mind while travelling for work.

Page last updated: January 2025

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Business Travel Insurance FAQs

Business travel insurance provides cover for people travelling abroad for work. It includes protection for medical emergencies, business equipment, work-related activities, and additional travel costs that may arise if something goes wrong during a business trip.

Yes, if you’re travelling abroad for work, business travel insurance is recommended. Standard leisure travel insurance may not cover business activities or business equipment such as laptops or tablets.

Yes. Business travel insurance provides cover for business equipment such as laptops, tablets, samples, and documentation, subject to policy limits and conditions. With Covered2Go, business equipment is covered up to £1,000.

Business travel insurance includes cover for non-manual work as standard. Manual work can be covered if you pay an additional premium and it is shown on your policy schedule. Manual work cover applies to general work not involving industrial or mechanical machinery, except handheld power tools.

Yes. If you’re medically unable to attend a pre-arranged meeting abroad, business travel insurance can cover reasonable additional travel and accommodation costs (up to £2,500) for a replacement colleague travelling from the UK.

Business cover can be added to most Covered2Go travel insurance policies, including Single Trip and Annual Multi-Trip policies, at the time of purchase.

Yes. When you add business cover, your policy also includes standard travel insurance benefits such as medical expenses, personal possessions cover, cancellation cover, and 24-hour emergency medical assistance.

Yes. Common exclusions include pre-existing medical conditions that haven’t been declared, travelling against FCDO or government advice, and claims resulting from alcohol or drug use. Always check the Policy Wording for full details.

The cost of business travel insurance depends on factors such as your age, destination, trip length, activities, and how often you travel. Annual policies can offer better value for frequent business travellers.