Tailored insurance to your exact needs
A Personal Accident and Travel policy provides business travellers with cover for costs arising from unexpected events during business travel, including medical expenses, loss of baggage or money, cancellation or delay as well as compensation in the event of injury, disability or death.
At Howden, we have a dedicated team of experienced personnel committed to providing insurance solutions within all classes of Personal Accident and Travel Insurance.
We believe service and flexibility are key in crafting a truly made-to-measure solution tailored to a business’s exact requirements.
The policy will provide payments if insured employees are totally or partially disabled by an accident, or if the accent results in death, loss of limbs or eyes.
This cover can be arranged in many different ways, commonly a multiple of salary or fixed lump sum in the event of death and capital benefits.
The operative time will determine whether the employee is protected and this can be set on a 24-hour basis, occupational accidents only, occupational accidents including commuting to work or purely whilst on a business trip.
Unlike a standard liability policy, negligence does not need to be established before the benefit can be paid. This means the policy can respond quickly, providing benefit when it is most needed.
The benefit is paid to the policyholder and not the injured party and could help towards covering additional staff costs such as overtime or pay for additional staff training or recruitment to cover the absence caused by the accident.
Business travel cover provides protection against death, injury and illness whilst travelling including any emergency medical expenses and repatriation. In addition, it will provide cover for:
- Loss of or damage to personal possessions
- Loss of money and fraudulent misuse of cards
- Travel delays
- Cancellation or curtailment
You can access Group Travel as standalone insurance, or as a part of a broader Employee Benefits package.
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