Annual Business Travel Insurance
Flexible Travel Protection for Your People, for Business and Beyond
Annual Business Travel Insurance provides ongoing travel protection for organisations whose people travel as part of their work during the year. Instead of arranging insurance for each individual trip, this cover applies across multiple journeys within the policy period, offering consistency, efficiency, and peace of mind.
Ratcliffes arranges Annual Business Travel Insurance for business clients following a discussion of travel requirements, ensuring cover reflects how your organisation actually travels.
What Is Annual Business Travel Insurance?
Annual Business Travel Insurance is designed for organisations where people travel regularly for work. It provides cover for multiple business trips taken during the policy year, removing the need to arrange separate policies for each journey.
Cover can be structured to apply to UK travel, overseas travel, or a combination of both, depending on your business needs and the options selected.
Who This Cover Is Designed For
This insurance is suitable for a wide range of businesses, including those where:
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Directors or employees travel for meetings, site visits, or project work
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Staff travel occasionally or frequently throughout the year
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Travel patterns vary in duration and destination
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The business wants consistent protection rather than arranging cover trip by trip
The policy can be arranged to cover defined groups of people travelling on behalf of the business.
How the Cover Can Be Structured
A key feature of Annual Business Travel Insurance is flexibility. Cover can be arranged to reflect how your people travel, based on the operative time selected at quotation stage.
Cover can be structured to apply to:
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Business Travel within the UK – journeys undertaken for business purposes within the UK
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Business Travel outside the UK – journeys undertaken for business purposes overseas
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Business Travel within and outside the UK – a combination of UK and overseas business travel
Alternatively, where wider protection is required, cover can be arranged on an All Travel basis.
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All Travel options allow cover to apply to insured journeys undertaken for any purpose (not limited to business), such as personal or leisure travel, provided the journey meets the policy definition and terms.
In all cases, cover applies to defined insured journeys and operates within the policy terms and conditions.
What the Policy Can Cover
Annual Business Travel Insurance typically includes a wide range of benefits designed to protect people while travelling for work, including:
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Medical emergency and travel expenses
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Cancellation, curtailment, evacuation, and replacement costs
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Personal belongings and money
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Travel delay and missed departure
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Personal liability
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Legal expenses
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Hijack and kidnap benefits, where applicable
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Optional personal accident lump sum benefits
Cover limits and benefits are selected at quotation stage to match your business requirements.
Reflecting Real Travel Patterns
Rather than relying on assumptions, premiums are calculated based on how your organisation actually travels.
This includes consideration of:
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How often people travel
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Typical trip durations
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Destinations, such as the UK, Europe, or worldwide travel
By reflecting real travel patterns, the policy provides a more accurate and transparent approach to pricing, helping ensure cover remains aligned with your business activities.
How This Fits with Other Business Insurance
Annual Business Travel Insurance is not a replacement for Employers’ Liability or other core business insurance policies.
Instead, it complements existing cover by focusing specifically on risks associated with travel, including medical emergencies, delays, and unforeseen incidents while people are away from their usual place of work.
Many businesses use this cover alongside Personal Accident or other employee-related insurance to provide broader protection for their people.
Frequently Asked Questions
How is Annual Business Travel Insurance different from single-trip cover?
Annual Business Travel Insurance covers multiple trips taken during the policy year. This removes the need to arrange separate insurance for each journey and provides consistent protection throughout the year.
Can cover be limited strictly to business travel only?
Yes. Cover can be arranged on a business travel basis only, meaning the policy responds solely to journeys undertaken for work purposes, as defined in the operative time.
Is personal time during a business trip covered?
Yes. When a journey qualifies as a business trip, cover applies for the duration of the insured journey, including normal personal time such as evenings or rest periods, until the insured person returns home.
Can personal or leisure travel be included?
Yes. If the policy is arranged on an All Travel basis, cover can apply to insured journeys undertaken for any purpose, including personal or leisure travel, subject to policy terms and the journey meeting the policy definition.
Does the number and length of trips affect the premium?
Who is covered under the policy?
Cover applies to insured persons specified at quotation stage, such as directors, employees, or others travelling on behalf of the business.
Why arrange Annual Business Travel Insurance through Ratcliffes?
Ratcliffes provides an advisory-led approach, helping you select appropriate operative time options and structure cover that accurately reflects how your organisation travels.
Working With Ratcliffes
Ratcliffes acts as your adviser throughout the process. We will:
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Discuss your business travel patterns
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Explain suitable cover options
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Arrange the policy on your behalf
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Remain your point of contact for ongoing support
Our role is to ensure your cover is clear, appropriate, and aligned with your business needs.