Group Personal Accident and Business Travel Insurance: Protecting Your People

Two Covers, One Goal: Staff Welfare

In our last article, we explained how Personal Accident Insurance supports individuals and families after unexpected accidents. Now we look at how employers can strengthen that protection through Group Personal Accident (PA) Insurance and Business Travel Insurance. Together, these policies provide reassurance for staff in different roles and situations.

 

What Is Group Personal Accident Insurance?

Group PA Insurance is arranged by an employer to cover employees, directors, or contractors against the financial impact of an accident. Cover may include:

• Lump sums in the event of death or permanent disability.

• Weekly benefits if someone is temporarily unable to work.

• Childcare expenses, commuting support, hospitalisation, or funeral costs.

• Additional help such as cosmetic surgery after an accident or counselling support.

Because it is a group policy, businesses can choose which categories of staff are insured. For example, drivers, warehouse teams, or office staff can each be included as needed.

 

What Is Business Travel Insurance?

Business Travel Insurance protects staff when they travel away from home for work purposes. This cover typically includes:

• Emergency medical treatment abroad.

• Repatriation and evacuation.

• Trip disruption, delays, or cancellations.

• Lost baggage, personal items, or business equipment.

Importantly, it also helps employers meet their duty of care. When a company sends staff abroad, it is responsible for their safety and wellbeing. Without travel insurance, any medical costs, repatriation, or emergency support could fall directly on the business. A business travel policy ensures employees are protected and the company avoids unexpected liabilities.

This cover is especially relevant for managers, sales teams, or consultants who travel for meetings, training, or international projects.

 

Why They Work Well Together

While these policies cover different risks, they complement one another:

• Group PA supports staff in day-to-day life, whether accidents happen on or off duty.

• Business Travel provides extra protection when staff are away from home on business trips.

• Employers can mix and match, ensuring drivers and operational staff are covered under Group PA, while travelling staff are protected by Business Travel Insurance.

 

Benefits for Employers and Employees

• Staff welfare: Demonstrates a genuine commitment to looking after people.

• Reputation: Positions the business as a responsible employer.

• Retention: Enhances morale and loyalty by showing staff they are valued.

• Continuity: Reduces the impact of an accident or travel emergency on the wider business.

 

A Joined-Up Approach

Group Personal Accident and Business Travel Insurance are not overlapping policies, but they do share a common aim: protecting people. When arranged side by side, they provide a joined-up approach that gives employees and their families peace of mind, wherever work takes them.

 

Ratcliffes Insurance Brokers can help you understand how these covers fit into your wider risk protection plan. If you would like to discuss the right mix for your business, get in touch with our team.