Business travel explained
How does Covered2Go Business Travel Insurance work?
Covered2Go travel insurance can cover eligible leisure, holiday and business trips. Non-manual work is included across Silver, Gold and Platinum cover, while eligible manual work is available as an optional extension.
Choose either Single Trip or Annual Multi-Trip Travel Insurance, select the cover level that meets your needs and make sure your destinations, trip duration and planned work fall within the policy terms. If you need manual work cover, it must be selected, any additional premium paid and the cover shown on your Certificate of Insurance before you travel.
Included
Non-manual work
Professional, clerical and administrative duties, alongside certain other light-duty roles, are included during an eligible trip.
Optional
Manual work
Eligible manual work may be covered for an additional premium. The extension must appear on your Certificate of Insurance.
Choose your cover
Silver, Gold or Platinum
Compare three levels of cover with different limits for replacement personnel, business equipment and wider travel benefits.
Non-manual business travel is already included
You do not need to purchase a separate Business Travel policy for eligible non-manual duties. However, you must still check that your trip, destination, planned activities and any manual work meet the Policy Wording.
Compare the cover available
Review the business-specific limits alongside the cancellation, medical, baggage and disruption benefits included with each cover level.
What is Business Travel Insurance?
Business Travel Insurance is travel cover for eligible journeys that involve work. It provides the wider protection of a travel insurance policy and can also include benefits designed for business travellers, such as replacement personnel costs and cover for eligible business equipment, samples or documents.
It may be suitable for employees, company directors and self-employed professionals travelling for meetings, conferences, training or other duties permitted by the Policy Wording. Cover limits, excesses, terms, conditions and exclusions apply.
Business cover at a glance
- Non-manual business travel included
- Manual work available as an option
- Single Trip and Annual Multi-Trip choices
- Silver, Gold and Platinum cover levels
- European and worldwide destination options
- Medical screening available for pre-existing conditions
Check your employer’s existing cover
Your employer may already provide business travel insurance or insure some business equipment separately. Check what protection is already in place and avoid relying on duplicate cover.
What does Business Travel Insurance cover?
Depending on whether you choose Silver, Gold or Platinum cover, your policy can include the following business-specific benefits alongside the wider protection provided by your travel insurance.
Up to £2,500
Replacement personnel
Eligible additional travel and accommodation costs for a UK-based business partner, director or employee to replace you at a pre-arranged meeting if you are medically unable to perform your duties abroad.
Up to £1,000
Business equipment
Cover towards replacing eligible business equipment that is lost, stolen, damaged or destroyed while being carried with you during the trip.
Up to £500
Samples and documents
Cover towards replacing eligible business samples or documentation that are lost, stolen, damaged or destroyed while being carried with you.
Wider travel protection
- Up to £10 million emergency medical expenses
- Up to £10,000 cancellation and curtailment
- Up to £5,000 baggage and personal belongings
- Cover for eligible travel delay and missed departure
- Up to £10,000 End Supplier Failure
- 24-hour emergency medical assistance
Maximum benefits shown are available on selected cover levels. Sub-limits, evidence requirements, excesses, terms, conditions and exclusions apply. Please read your quote, Certificate of Insurance and Policy Wording.
Compare our Business Travel cover levels
Non-manual business travel is included across Silver, Gold and Platinum. The table below compares the principal business-specific limits.
On a smaller screen? Swipe across to view the complete table.
| Business benefit | Silver | Gold | Platinum |
|---|---|---|---|
| Business travel / work abroad | Included | Included | Included |
| Manual work | Optional | Optional | Optional |
| Replacement personnel | £1,000 | £1,500 | £2,500 |
| Business equipment | £500 | £500 | £1,000 |
| Samples and documents | £500 | £500 | £500 |
| Policy excess per person, per incident | £75 | £50 | Nil |
Manual work cover only applies when the appropriate option has been selected, any additional premium has been paid and the cover appears on your Certificate of Insurance. A different excess may apply in specific circumstances.
What work can be covered?
The nature of your work matters. Make sure your planned duties fall within the policy definition and that any optional manual work cover appears on your Certificate of Insurance.
Included
Non-manual work
The current Policy Wording defines non-manual work as:
- Professional, clerical or administrative work
- Classroom teaching or classroom assistance
- Au pair, nanny or childminding duties
- Retail, bar and hospitality work involving light duties only
Optional
Manual work
Manual work means general work that does not involve mechanical or industrial machinery, other than handheld power tools, and is undertaken at a height not exceeding two metres.
It does not include certain work, such as:
- Working offshore or above two metres
- Ski, snowboard or diving instruction or guiding
- Trekking guiding requiring ropes or specialist climbing equipment
- Work with specified dangerous animals or involving hazardous activities
Personal Liability does not apply while working
The Personal Liability section does not cover you while undertaking any form of work. Business Travel Insurance also does not replace any separate professional, public or employers’ liability insurance that you or your employer may require.
Single Trip or Annual Multi-Trip Business Travel Insurance?
The right policy will usually depend on how often you travel for work, the duration of each trip and the destinations you need to cover.
One work trip
Single Trip Travel Insurance
Cover for one specific business journey. Single Trip cover is available for eligible travellers up to age 99, with trips lasting up to 365 days, subject to age, destination and eligibility.
Several work trips
Annual Multi-Trip Travel Insurance
Cover for multiple eligible trips during a 12-month policy period. Each trip can last up to 31 days as standard, with optional 45 or 60-day extensions. Cover is available up to age 85, subject to eligibility.
Select the correct geographical area
Choose an area that includes every country and relevant stopover on your itinerary. Covered2Go offers European, Australia and New Zealand, and worldwide destination options. Cover is available to eligible UK residents for round trips that start and finish in the UK.
Business Travel Insurance with pre-existing medical conditions
Cover may be available for a wide range of pre-existing medical conditions. Some conditions are covered automatically when the Policy Wording requirements are met, while others require separate medical screening through Millstream Underwriting Limited.
Two separate purchases
At present, customers who require screening need a Covered2Go base travel insurance policy and separate Millstream medical screening cover. You can complete these in either order.
No policy number required
You do not need a Covered2Go policy number to begin screening. If cover is offered, an additional medical premium or special terms may apply. Both covers must be in place before you travel.
Need medical screening?
Read our full explanation before starting so you understand how the Covered2Go policy and Millstream screening work together.
How to get Business Travel Insurance
Tell us about your trip, compare the available cover levels and make sure the policy reflects the work you will be doing.
Step 1
Enter your trip details
Tell us where and when you are travelling and who needs cover. If eligible manual work cover is required, select “Business Travel (Manual Work)” under “Add optional cover (if required)” before getting your quote.
Step 2
Choose your cover level
Compare the Silver, Gold and Platinum options shown in your results and select the cover level that meets your needs.
Step 3
Complete your details and purchase
Provide the remaining traveller information, review your quote and pay for your chosen policy and any optional cover selected.
Step 4
Check your documents
Check that your destinations, travellers and any optional manual work cover are shown correctly on your Certificate of Insurance.
Important information before you travel
Business Travel Insurance has limits, conditions and exclusions. Check these points before purchasing and again before departure.
Manual work
Optional manual work cover must be selected, paid for and shown on your Certificate of Insurance.
Business property
Equipment, samples and documents must meet the policy terms and be carried with you during the trip.
Travel advice
Cover is restricted where you travel against applicable FCDO, government, local authority or medical advice.
Medical conditions
Pre-existing medical conditions must be declared where required and accepted through separate screening before travel.
Trip duration
Your entire trip must fall within the maximum duration shown on your Certificate of Insurance.
Full policy terms
Read the Policy Wording, quote and Certificate of Insurance carefully to check the cover meets your needs.
Why Covered2Go?
Why choose Covered2Go for Business Travel Insurance?
Choose from Silver, Gold and Platinum travel insurance, with non-manual business travel included and optional cover available for eligible manual work.
Which? Best Buy status
Covered2Go Silver, Gold and Platinum cover achieved Which? Best Buy status in 2026.
Choice of cover levels
Compare Silver, Gold and Platinum benefits to find a level suited to your trip and budget.
24-hour assistance
Emergency medical assistance is available 24 hours a day while you are travelling.
UK-based support
The Covered2Go team can help with general quote and policy questions before you travel.
Need help choosing Business Travel cover?
Contact the appropriate team depending on whether your question relates to your travel insurance or medical screening.
Covered2Go Customer Care
For questions about your business trip, planned work, quote or Covered2Go policy.
Medical Screening Service
For declaring a condition, discussing medical screening questions or reporting a change in health.
Ready to cover your next work trip?
Get a quote and compare Silver, Gold and Platinum cover for your destination, trip duration and planned duties.
Cover is subject to eligibility, medical screening where required, the premium paid, benefit limits, excesses, terms, conditions and exclusions.
