Wednesday, July 13, 2011

Do you need business travel cover? | Traveling Tips and Info

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Do you need business travel cover?

Article by Mathew Loap

Business travel insurance is still a comparatively recent addition to the specialist insurance market. When you take out business travel insurance, there are a variety of things to look out for to make sure that you?re really getting value for money.

You should remember that business travel insurance should protect not only your employees? safety, but also the personal belongings, company equipment and cash etc. What if any of your own personal belongings went missing or were stolen? And what if something was to happen to you on your trip outside of office hours? You will likely find that your business travel insurance does not provide cover for any such emergencies.

Most probably you would be looking for travel insurance to cover you for these potential problems as well as work-related incidents, as not every second of every day will be solely work-related. For this reason you should always check your business travel policy carefully to ensure that you know exactly what you are covered for ? as it could be that you would wish to take out further cover to insure your private time while abroad on business too.

When looking for business travel insurance you should also be aware that it is available in more than one format. It can be offered as a separate insurance product, usually offered as a specialist policy in the same vein as over-60?s travel cover. Or you may also notice it offered as an optional extra when you go to buy regular travel insurance, whereby you pay a little extra premium for the business travel option. Either way, you?ll notice that business travel insurance is just basically your standard travel insurance policy with a few added extras.

You should also check your policy as to the value of goods that it covers ? especially if you are taking any expensive work-related equipment with you. Look out for any limits set by the insurer as to how much you can claim for each item should anything go missing or get stolen. You want to make sure that your policy covers the costs of your equipment, taking into account the cost of any excess payment that you are required to make when seeking to replace an item.

If you are considering taking out this type of insurance either for yourself or on behalf of your company, the best bet is to look online. As well as providing the quickest way to check policy against policy, it is also the most convenient method for price comparison between insurance products. You?ll also find that business travel insurance providers offer their best rates online.



About the Author

For great deals on travel insurance visit Go Travel Insurance

Tags: Business, cover, Need, Travel

Source: http://travel.groahreinsdottir.com/do-you-need-business-travel-cover/

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