Brokers: Annual Business Travel Insurance

Flexible Travel Protection for Business Journeys, Structured Around Real Travel Patterns

Annual Business Travel Insurance provides flexible protection for businesses whose people travel for work, whether within the UK, overseas, or both. It is designed to reflect how modern businesses actually travel, with cover structured around trip patterns, destinations, and the level of travel required.

Ratcliffes arranges Annual Business Travel Insurance for brokers through a broker-led process, supported by an online platform for managing quotes and policies.

What Is Annual Business Travel Insurance?

Annual Business Travel Insurance provides cover for multiple business trips taken during the policy period, removing the need to arrange insurance for each individual journey.

Cover is tailored to the client and can apply to business travel within the UK, outside the UK, or both, depending on the operative time selected at quotation stage.

Operative Time Options

A key strength of this cover is flexibility around how and where people travel. At quotation stage, brokers select the operative time that best reflects the client’s travel requirements:

Business Travel Outside of the UK
All Travel Outside of the UK
Business Travel Within the UK
All Travel Within the UK
Business Travel within and outside of the UK
All Travel within and outside of the UK

These options allow cover to be structured strictly around business trips, or extended to include broader travel during insured journeys, subject to policy terms.

Who Can Be Covered

Annual Business Travel Insurance can be arranged for a wide range of insured persons, including:

Directors and employees
Full-time and part-time staff
Consultants or contractors travelling on behalf of the business
Volunteers or committee members where agreed

The description of insured persons is selected at quotation stage for clarity and policy definition.

Travel Patterns and Destinations

Premiums are calculated based on how often and how far people travel.

Trips are declared by duration and destination, typically across:

UK
Europe
Rest of World

Trip durations are grouped into bands, such as:

Up to 2 days
3–5 days
6–9 days
10–14 days
15–21 days
22–31 days

The number of trips in each band is entered at quotation stage, allowing the policy to reflect real travel patterns rather than assumptions.

Core Benefits And Limits

Policies include a broad range of travel-related benefits, with limits selected or applied at quotation stage, including:

Medical emergency and travel expenses
Cancellation, curtailment, evacuation, and replacement costs
Personal belongings and money
Travel delay and missed departure
Personal liability
Legal expenses
Hijack and kidnap
Rental vehicle excess
Optional personal accident lump sum benefits

Premiums adjust dynamically based on destinations, trip durations, and the volume of travel undertaken.

Cover Beyond Strict Business Travel

Depending on the operative time selected, cover can extend beyond purely business activities.

Where appropriate, options such as “All Travel” allow policies to respond to a wider range of travel scenarios during insured journeys, subject to policy terms and underwriting agreement.

This flexibility is a key selling point for clients with mixed travel needs.

How Brokers Access This Cover

Annual Business Travel Insurance is arranged through Ratcliffes using a structured broker-led process, supported by the appointed insurance underwriter.

Once a broker company is set up, brokers can:

Create draft quotes
Issue confirmed quotations
Arrange policies where instructed
View a consolidated list of draft quotes, confirmed quotes, and issued policies for their broker company

This provides clear visibility of business placed through Ratcliffes and supports ongoing client management.

Why Brokers Place This Cover Through Ratcliffes

Brokers choose to place Annual Business Travel Insurance through Ratcliffes because it offers:

Flexible operative time options aligned to real travel behaviour
Premiums based on actual trip patterns and destinations
Clear policy structure for mixed travel requirements
A broker-led platform for managing quotes and policies
Access to underwriting support for more complex or non-standard travel requirements, where risks fall outside standard parameters and require referral

Our approach is designed to support brokers, not replace them.

Frequently Asked Questions

How is Annual Business Travel Insurance different from single-trip cover?

Annual Business Travel Insurance covers multiple trips during the policy period, removing the need to arrange insurance for each journey and allowing pricing to reflect overall travel patterns.

Can cover be limited to business travel only?

Yes. Operative time can be selected to cover business travel only, within the UK, outside the UK, or both, depending on the client’s requirements.

Can cover extend beyond business travel?

Yes. Where selected, operative time options such as “All Travel” allow broader cover during insured journeys, subject to policy terms.

Does the number of trips affect the premium?

Yes. Premiums are calculated based on destinations, trip duration bands, and the number of trips declared at quotation stage.

Why choose this Annual Business Travel cover through Ratcliffes?

This product is designed around flexibility. Brokers can structure cover to match how clients actually travel, while benefiting from a clear, broker-led platform and underwriting support for more complex risks.

Next Steps

To discuss Annual Business Travel Insurance for your clients, please contact Ratcliffes using our enquiry form.

We will work with you to confirm suitability and arrange access to the platform for managing quotes and policies.