Group personal accident and travel insurance

Comprehensive cover that provides business travellers with peace of mind

Get in touch

Expense and injury cover for employees on the move

Business Group Travel & Personal Accident Insurance delivers comprehensive cover for your employees when they’re travelling for work reasons. 

The policy can help your team recover the costs of any emergency medical expenses and repatriation resulting from death, injury or illness while travelling. And, in addition, it can provide cover against:

  • Loss of or damage to personal possessions
  • Loss of money and fraudulent misuse of cards
  • Travel delays
  • Cancellation or curtailment

Our award-winning employee benefits team can tailor a made-to-measure plan to meet the specific needs of your business, and help you deliver a wider benefits programme that your employees really value.  
 

Woman in business suit on airport travelator

What does the group personal accident and travel insurance policy deliver?

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 several ways, usually as a multiple of salary, or, in the event of death and capital, as a fixed lump sum.

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.
 

pulling suitcase at airport - expats employee benefits Howden

Who does the policy pay out to?

The benefit is paid to the policyholder and not the injured party and could help towards covering additional staff costs such as overtime or 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
travel insurance

Cover as standalone, or within a wider benefits package

We can provide business group travel and accident insurance either as standalone insurance or as part of a more comprehensive employee benefits package. 

Unsure which approach might work best for you? Our-award winning employee benefits team can help. We deliver unbiased, impartial advice and guidance that’s always based on your best interests. 

We do things differently...

Because we're a different kind of business. 

Howden is an employee-owned company, which means we’re directly incentivised to deliver the best outcome for you as a client. 

This means we’re not afraid to be more proactive, or to negotiate harder on your behalf to get you a policy that meets your specific needs while remaining cost-effective. We focus on results, not process for the sake of it. 

And if we need to be flexible or take a more unorthodox approach to policy design to ensure you get the policy that works for you, that’s exactly what we’ll do.

Because when you’re happy, we all benefit.

Ready when you are

Ask a question