Business Travel Accident Insurance

Businesses of all shapes and sizes have employees travel for work.  Are your employees properly covered when they travel?  Business Travel Accident Insurance can help to protect you.

Did you know you can protect your employees and their personal items while they are traveling for business?  A business travel accident insurance policy is a type of insurance policy that provides coverage for employees who are traveling for work-related purposes. The purpose of this type of insurance is to protect the employee and the employer from the financial consequences of accidents and injuries that may occur during business travel.


Coverage for a business travel accident insurance program typically includes coverage for the following:

  • Accidental Death and Dismemberment (AD&D) - This coverage provides a lump-sum payment to the employee or their beneficiaries in the event of accidental death or permanent disability.
    • Examples: Loss of Life, Loss of hearing, limbs, speech, or hemiplegia. Coverage varies per policy.
  • Medical Expenses - This coverage reimburses the employee for medical expenses incurred due to illness or injury while on business travel. It may also cover emergency medical evacuation or repatriation.
    • This coverage can become very important if an individual is traveling out of the country or in areas that their health insurance is not in network.
  • Travel Assistance Services - This coverage may provide access to travel assistance services such as emergency medical assistance, emergency travel arrangements, and legal assistance.
  • Personal Property Damage or Loss - This coverage may provide reimbursement for the cost of repairing or replacing personal property that is damaged, lost or stolen during business travel.

The exact coverage and limits of a business travel accident insurance program can vary depending on the policy and insurer. It is important to carefully review the policy terms and conditions to understand the specific coverage and exclusions that apply. If you or your employees Travel domestically or internationally, it is important for you to speak with your partner at TROXELL on how a Business Travel Accident Insurance Policy may protect you.

Contact our team today to request a quote or discuss how this coverage will help your business.