3 November, 2017

Most employees will jump at the chance to travel for business. An all expenses paid trip? What a great way to break the routine! But for your business, employee travel means more than just a holiday. Business travel, whether interstate or overseas, is the best way to expand your company’s horizons. Making new connections, improving employee skills and staying innovative are just a few of the benefits. But there are risks too.

Chances are, your business is covered head to toe by a range of insurance policies. Everything from workplace injuries to theft should be included in your workplace insurance. So there’s no need to worry right? Well, that’s not necessarily true. As soon as your employees hit the road for work, your insurance position changes. In most cases, you can no longer rely on the safe umbrella of your existing insurance policies. So what do you do?

The solution is simple: get business travel insurance for employees. When your employees travel for work, there are two things to keep in mind. Firstly, they are no longer covered by your normal policy. Secondly, the chances of something going wrong increase. It might not be catastrophic, but it can still cost your business money. So don’t leave it to chance – get business travel insurance for employees!

Travel insurance for employees will cover you in countries with high medical costs

Are you sending an employee to America? That’s exciting! But what about their medical care? The US is just one example of a country with expensive medical care. Even a minor admission or a visit to the doctor can set your company back financially. Coupled with the costs of an already expensive trip, this can really make a dent in your finances. The best course of action is to be proactive – get business travel insurance for employees and eliminate this risk altogether.

There are a lot of different policies available – so don’t feel as though you have to take the first one that comes up! Hunt around until you find business travel insurance for employees that include healthcare and more. You wouldn’t leave these things to chance around the office, so why take the risk elsewhere?

Travelling for work? Have you thought about your electronics?

Think about what comes with your employees on almost any business trip. Paperwork? Maybe. Laptops? Probably. Smartphones or tablets? Definitely! Smartphones and tablets are fast becoming the way we all do business. Business and connectivity go hand in hand, which means that smart electronics are a business tool more than anything else. In fact, your employee’s business trip will probably rely quite heavily on them. They are a necessity when it comes to anything from getting around an unfamiliar city, to reporting back to your company. So what happens if, god forbid, they go missing? Missing luggage, dropped phones and even stolen tablets can all set your business trip back a fair way.

So how bad would it be if that happens? Well think about it this way – a missing smartphone, laptop or tablet can set your company back well in excess of one thousand dollars. That’s pretty bad right? But it gets worse still. What about the lost connectivity of your employee? That can lead to a whole host of other problems. Good business travel insurance for employees will ensure that you have options if something like this happens. So keep that in mind when you are looking at policies!

Travel insurance for employees will not only cover you – it will make them feel covered too

What could be better than the relief and security you feel knowing that your employee’s trip is covered? How about if they felt covered too? Business travel insurance for employees will do more than just give you peace of mind. It will give your employees peace of mind too. For some people, going on a business trip can be an exciting, but daunting prospect. The stresses of navigating a new area, meeting new people, and meeting expectations can be a lot. So you want to give your employees as much certainty as possible. What better way to do so than with a comprehensive insurance policy? If they know they their trip is covered, that is one less thing on their mind. This will allow them to focus on more important things!

Insurance policies differ greatly: business travel insurance for employees will offer the best cover

So business travel insurance for employees will help your peace of mind. But is it really worth it? After all, you’ve already got a pretty comprehensive workplace package. That may be so, but very few packages will extend to your employees business-related travel. A lot of companies get caught out relying on their workplace policy alone. The surprise of a business trip mishap is then made a lot worse by the surprise cost that comes with it. Of course, we can’t know for sure what your policy covers. But if you do one thing to prepare for your employee’s business trip, it should at least be to check. Knowing where you stand in terms of insurance is important in any context!

Travel insurance for employees covers more than just accident and injury, so get amongst it!

What if your employee is heading to a very safe country? Everyone speaks English and it’s easy to get around – what could possibly go wrong? The chance of an accident seems very slim, as does the chance of an injury. Is it really worth getting business travel insurance for employees on such safe trips? Absolutely!

Business travel insurance for employees covers more than healthcare. There are so many policies out there that you can find one that covers all the bases. After all, the most common travel insurance claims are those for lost luggage. And that is one risk that nobody can eliminate! When you send your employees overseas, interstate or on any trip, it’s best to err on the side of caution. Covering all the bases will keep the costs stable and your employees happy. It’s a win-win!

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