Business travel insurance – high risk cover

3 October 2011

Bellwood Prestbury’s experience in sourcing high risk business travel insurance has highlighted some of the challenges in getting proper cover for people working in or visiting challenging areas.

Standard business travel insurance is often invalid for people working in extreme conditions, visiting high risk countries or travelling using non-commercial air transfers.

If you need business travel insurance for an unusual assignment, these are five of the issues you should be aware of:

1. Foreign and Commonwealth Office (FCO) warnings tend to invalidate standard business insurance. Even if the FCO only has a warning issued for a specific region of a country, like north-eastern Democratic Republic of Congo (DRC) for example, this may invalidate standard insurance for any trip to DRC.
2. Certain high risk countries require specialist business travel insurance. Our High Risk Country Guides index will show you which countries may be affected and include the latest FCO advice.
3. Non-commercial air travel may not be covered by standard business travel insurance. For example, a transfer by plane or helicopter operated by an oil or mining company where you do not pay for a ticket, might not be covered.
4. Extreme activities, like working offshore or in remote regions, may require specialist business travel insurance that is specifically set-up to accommodate this kind of activity.
5. High risk business travel insurance doesn’t necessarily cost more than standard cover. Generally priced by the day and tailored specifically to your personnel and their activities, it can ensure that your people, their belongings and their travel arrangements are properly protected at remarkably cost-effective rates.

Bellwood Prestbury specialises in organising high risk business travel insurance.

To find out if you need specialist cover or to get an independent costing for your people working in high risk countries or challenging conditions, call our experts on +44 (0) 1242 584 558.

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