Business Travel Insurance
Professional cover for work trips, including trip delays, equipment, and emergency support.
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What is business travel insurance?
Business travel insurance is a policy designed for people travelling for work, whether you are attending a conference, visiting clients, joining training sessions, or flying abroad for company meetings.
It works just like regular travel insurance, but with extra protection for work-related activities, including laptops, business equipment, documents, to even last-minute schedule changes.
If something goes wrong during your work trip, such as lost luggage, delayed flights, illness, or damaged business property, the insurer helps cover the cost, so your job isn’t affected.
Business travel insurance is ideal for:
- Employees travelling occasionally for work
- Companies sending staff abroad
- Consultants and freelancers working with multiple clients
- SMEs need flexible, reliable protection for their team
What is the best business trip travel insurance policy?
The best policy depends on your job, how often you travel, and what you will be taking with you. Most insurers offer different types of business travel cover, so you can choose the level that suits your needs:
Single trip business travel insurance
Perfect if you travel occasionally or only have one planned work trip. You get full cover for the duration of that trip, including medical emergencies, cancellations, business equipment, and any travel disruptions.
Annual multi trip travel insurance for business travel
Best for frequent travellers. This policy covers every work trip you take within 12 months, making it more cost-effective and convenient than buying multiple single-trip policies. It’s ideal for staff or consultants who fly regularly.
Group business travel insurance
Designed for businesses sending multiple employees to the same event or destination. One policy covers everyone, making it easier (and often cheaper) than insuring each person individually.
Specialist business travel insurance
If you work in high-risk professions (engineering, construction, fieldwork) or travel with expensive tech equipment, some insurers offer specialist policies with higher equipment limits and extended travel protection.
How can I get cheap business travel insurance?
Everyone wants the right level of coverage without overspending, especially businesses that manage multiple trips.
Here are ways to keep costs down when comparing policies:
Compare multiple quotes
With Quays, you can compare business travel policies from top UK providers in one place, helping you find the best price for the level of cover you need.
Increase your excess
A slightly higher excess can reduce your premium, just ensure it’s a realistic amount your company can pay if you need to make a claim.
Choose an annual policy
If you travel frequently for work, an annual multi-trip plan is usually cheaper than buying separate single-trip policies throughout the year.
Only pay for what you need
If you are carrying standard business equipment (like a laptop and documents), you may not need the highest equipment limit. Tailor your policy to your actual needs.
Travel off-peak when possible
If you have flexibility, choosing less busy travel periods can lower costs and reduce the likelihood of delays or cancellations.
What does business travel insurance cover?
What’s covered
Medical emergencies abroad: If you fall ill or get injured while travelling for work, your policy helps cover hospital bills, treatment, and emergency medical transport.
Trip cancellations or delays: If your flight is delayed, cancelled, or you can’t travel due to illness or unexpected events, your insurer may cover lost costs.
Lost or damaged business equipment: Laptops, tablets, business phones, and presentation tools. If they are lost, stolen, or damaged, you can claim replacements or repairs.
Business money and documents: Cover for lost passports, work documents, business cash, and essential travel items.
Personal belongings and luggage: You are also covered for your own luggage, clothing, toiletries, and personal items.
Missed meetings or events: If travel disruptions cause you to miss a conference, client meeting, or work event, some policies compensate for the financial impact.
What’s not covered?
Exclusions vary, but typically include:
- Travelling against official government advice
- Undeclared pre-existing medical conditions
- High-value equipment not listed in your policy
- Dangerous work activities (unless you buy specialist cover)
- Non-work leisure activities like extreme sports
- Losing items because you left them unattended
Types of business travel policy
There are several different types of travel insurance to choose from to suit your needs:
Single-trip business cover
This policy will cover you for a single trip abroad. Your policy will end on a set date (usually the date you plan to return home) and a new policy will need to be taken out if you want cover to continue
Annual travel business cover
If you plan to take multiple business trips abroad during the year, this policy will cover all of them. Your policy lasts for a whole year and will cover all of your travel during this time, although per-trip limits apply
Long stay cover
Long-stay policies can cover long, single trips that last up to 18 months. Multi-trip policies have limits to the length of each trip, so if you plan to spend a long time abroad for business, this may be the better option
Group travel cover
This cover will insure multiple people under the same policy, making travel insurance easier to manage for multiple people. This may be useful if you plan to travel with employees or co-workers
Where can I travel to on a business travel insurance policy?
- UK-only
- Europe
- Worldwide (excluding USA, Canada, and the Caribbean)
- Worldwide (including USA, Canada, and the Caribbean)
Since business trips often involve clients or offices abroad, make sure your region of travel is correctly selected especially if you’re heading to the US, where medical costs are significantly higher.
Europe only cover
European policies are the least expensive option and will cover you for travel to all EU countries as well as some non-EU countries, including destinations, such as Turkey and Egypt
Excluding the USA, Canada, and the Caribbean
This policy covers most destinations except USA, Canada, and the Caribbean because medical fees can be especially high in these countries
Worldwide
Worldwide cover gives you global cover. Depending on the terms of your policy some exclusions may apply, including destinations that the FCDO have advised against travelling to
Tips & Advice
Frequently Asked Question
What is Business Travel Insurance?
Business travel insurance is a policy that covers employees or self-employed professionals while travelling for work, protecting against medical emergencies, trip disruption, and business-related equipment loss.
Who needs Business Travel Insurance?
Business travel insurance is a policy that covers employees or self-employed professionals while travelling for work, protecting against medical emergencies, trip disruption, and business-related equipment loss.
Is Business travel insurance different from standard Travel insurance?
Business travel insurance includes cover for work-related activities, business equipment, and extended responsibilities that standard leisure travel insurance usually excludes.
How much does business travel insurance cost
Business travel insurance costs vary based on trip details, traveller profile, and cover level. For UK travellers, prices typically start from £10–£30 for a single short business trip and £40–£150+ per year for annual multi-trip business travel insurance.
The final cost depends on:
- Destination (worldwide coverage costs more than Europe)
- Length and frequency of trips
- Age and medical history of the traveller
- Level of cover and policy limits
- Value of business equipment insured
Chosen excess amount
Can business Travel Insurance cover multiple trips?
Yes. Annual multi-trip business travel insurance covers unlimited business trips within a set duration, usually up to 30, 60, or 90 days per trip.
Can employers insure multiple employees under one policy?
Yes. Group business travel insurance policies can cover multiple employees under a single company plan.