All main insurance for business trips

Travelling safely is a requirement for business travellers who must be able to count on the right insurance before a departure

It happens to many tourists, to have to manage unexpected events and problems that force them to change their travel plans, return in advance or have to bear unnecessary expenses.

The same is true for business trips and travel. However, when it comes to business, we will have not a ruined holiday, but the risk of seeing negotiations or fresh business opportunities disappear. All because of some unexpected events or for lack of insurance liability.

The unforeseen is, by their very nature … unpredictable. However, it can happen and the insurance cover for business travel is just to avoid risks in this sense.

Accidents, delays and misadventures of various kinds can ruin an entire business trip or force us to stop it abruptly.

The main insurance cover for business travel

What is the insurance coverage that can help us avoid unpleasant surprises in our business travel? The major ones are those concerning:

Theft, loss, and damage to luggage

This is perhaps the most common and used coverage and concerns the case of theft, loss, damage to baggage and personal effects. With a business trip, this insurance is even more important because travelers bring with them personal computers, tablets, smartphones or other electronic devices that they will use for work, both in flight (when allowed), and once they arrive, at the destination.

Medical and Health Care

Having medical insurance coverage allows travelers to receive, in case of need, medical and health care in the country where they are travelling. It is not just a detail because in many places, the United States in the first place, medical care can be very expensive since there is no national health service to access.

But nor only…

Insurance on flights, hotels, cancellations, RC … Among the insurance coverage to consider for business travel there are not only those concerning medical expenses and baggage but also:

• RC – Liability coverage in the event of damage involuntarily caused to third parties, during any extra work activity.
• GUARANTEE FUND – This has been compulsory coverage for three years now for all agencies that organize events and which protects the seller or organizer of tourist packages in the event of insolvency or bankruptcy (as happened with the national guarantee fund suppressed in 2016).
• Legal protection – Insurance coverage for legal protection is useful to guarantee legal help and the payment or advance of any criminal deposits.

These are only the main insurance coverage. Much depends on the business trip and the work and extra activities that take place during this period. Except that travel agents rarely provide these insurance coverages. And companies do not take them into consideration by preferring the path of economic savings to that of safety.

Mistaken.

Now that the web and conference call systems such as Skype have reduced the need for travel, cancelling distances, business travel has decreased compared to the past. But, fatally, they have become even more important precisely because they have become rare, sometimes unique, occasions to conclude an important sale or to realize other business opportunities. Delicate circumstances where the human factor and presence on-site make the difference.

Therefore, there is absolutely no need to take unnecessary risks and you must start with the certainty of being covered thanks to adequate business travel insurance coverage.

Once, the writer Dino Basili said: “The perfect journey is circular. The joy of leaving, the joy of returning”. For business travelers, there must also be safety between one joy and another.