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Cover overview
Our Business Travel cover is designed with professionals in mind. That’s why we include cover for business equipment and medical expenses. So you can rest assured that should anything unexpected happen while you and your employees are abroad on business, the important things are taken care of.
What's covered:
- Delayed departures, up to £250 for delayed departures, up to £1,000 for an enforced stay, or up to £5,000 for an abandoned trip due to the delay
- The cost of cancelling, cutting short or rearranging your trip, up to £5,000, due to specific unforeseen events.
- Personal Accident cover for death or permanent injury, up to £25,000.
- Loss or theft of money, travel tickets and passports, up to £1,000, and cash up to £250.
- Medical costs resulting from injury or illness during the trip, up to £5 million per person for up to 52 weeks.
- Hospital benefit during in-patient treatment, up to £1,000 (£30 per day).
- Unauthorised use of credit cards, up to £10,000.
- Damage to baggage, up to £2,500 (£500 per item).
- Your legal liability for injuries to others or damage to their property, up to £2.5 million.
What's not covered:
- Travel to countries where the Foreign, Commonwealth & Development Office has issued a warning.
- Losses due to war or terrorism.
- Losses arising from manual work.
- Pre-existing health conditions.
- Hazardous sports.
- Cancellation expenses arising from any pandemic or epidemic involving an infectious disease in humans, or from any coronavirus or mutation or variation of a coronavirus.
This is not an exhaustive list, more information can be found in the important documents section.
The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.
The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.
Important documents
FAQs
The two are very similar, but business travel insurance covers company money and business equipment like laptops and phones, as well as your own belongings.
If you’re self-employed, you will need business travel insurance if it isn’t included in another policy of yours, like your bank account. However, some businesses offer staff business travel insurance, so it’s best checking with your employer.