Most employers assume staff travelling for work are covered somehow, by their own travel insurance, or by general business insurance. In most cases, neither is true.
Personal Accident (PA) and Business Travel insurance is usually sold as one combined policy: a lump sum or weekly payout if an employee is injured, disabled, or dies, whether at work or travelling for business, plus travel cover for medical emergencies, repatriation, and evacuation abroad.
The gap that catches employers out: In most cases, personal travel insurance does not cover work-related travel or business activities at all. An employee relying on their own annual travel policy for a work trip may find themselves completely uninsured if something goes wrong.
This cover isn't a legal requirement, but employers have a duty of care to protect staff health and safety, including while travelling for work. Having this cover in place is one of the clearest ways to demonstrate that duty is being met, and it becomes especially important once staff are travelling to destinations with limited healthcare access.
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See My Cover Options →Cover levels and exclusions vary by insurer and destination risk rating. Always confirm cover for specific high-risk destinations before travel.