Many businesses will purchase travel insurance to cover their employees on business trips against instances such as medical emergencies, lost baggage and disrupted flights. Such policies also cover corporate responsibilities because employees travelling are still subject to a duty of care and will need assistance if things go wrong.

However many business owners may not realise that some annual business travel insurance policies give the option to include free holiday insurance to all directors and their families! This can save each director the cost of annual holiday insurance, which as you are probably aware can cost £hundreds if you are travelling to distant countries or participating in certain activities.

Did you know that it is also possible to add Personal Accident cover onto a business travel policy? This can pay the salary of employees if they are injured and unable to work, not just on holiday but also throughout the rest of the year.

And if you think this is likely to be expensive, think again. Premiums for business travel, including holiday travel for directors & families starts at about £150. Adding company personal accident cover will start from about £100.

If you are a business owner and would like information on business travel insurance and personal accident insurance with the option of free holiday insurance for your family and your fellow directors please get in touch. You can also ask us about kidnap, ransom & extortion insurance.