Business travel insurance

Business travel insurance for companies with people on the move.

Our business travel insurance is built for organisations with employees travelling internationally.

One policy can cover directors and employees on business trips worldwide, with 24/7 global assistance, direct hospital payments, and the reassurance of Lloyd’s-backed security.

Built around the way businesses actually travel

Business travel rarely fits neatly into a standard retail insurance journey.

Some teams travel occasionally. Others are constantly moving between countries, projects, and meetings. Some businesses need cover for a small leadership group. Others need a scalable solution that can adapt as headcount changes.

That is why our business travel insurance is arranged as a bespoke corporate travel insurance solution rather than a one-size-fits-all online quote.

Our aim is simple: to give your business a more practical, more professional way to protect employees when they travel for work.

Who this is designed for

Our business travel insurance can work well for:

• companies with employees travelling internationally
• organisations with directors or senior staff travelling regularly
• businesses with globally mobile teams
• companies with expat or internationally based workforces
• firms that want one group policy instead of multiple individual policies
• employers who want a more professional approach to duty of care

If your team travels for meetings, site visits, conferences, projects, client work, or overseas assignments, we can help structure the right solution.

Enjoy flexible setup and admin

Bespoke business travel insurance is the only solution you'll ever need. 

A policy that adapts as your business changes

Business travel cover should not become harder to manage as your team grows.

Our setup is designed to keep administration simple and scalable.

Add or remove staff throughout the year

Employees can be added to or removed from the policy during the year, so cover stays aligned with your actual workforce rather than becoming outdated until renewal. 

Individual certificates under one master policy

Each insured employee can receive their own certificate of insurance for travel, while your business keeps one master policy for administration and billing.

Group pricing that rewards scale

Pricing can be structured to reflect the size of your travelling workforce, helping larger groups benefit from more competitive per-head rates.

What can business travel insurance include?

The exact solution will depend on your organisation and how your team travels. Depending on the arrangement in place, cover can include benefits such as:

Medical, security, and evacuation

• medical and emergency travel expenses up to £10,000,000
• emergency dental treatment up to £2,500
• funeral or repatriation of remains up to £10,000
• unlimited medical evacuation and repatriation
• political evacuation costs up to £50,000
• daily expenses benefit of £100 per day for up to 30 days
• kidnap and detention crisis response costs up to £250,000
• detention benefit of £500 per day, up to £25,000

Travel, property, and liability

• cancellation and curtailment up to £10,000
• change of itinerary or replacement personnel within the cancellation limit
• annual aggregate cancellation claims up to £50,000
• travel delay benefit of £50 per 12 hours, up to £1,000
• missed departure or connection up to £1,500
• abandonment up to £10,000
• personal baggage up to £10,000
• business equipment, including laptops and tech, up to £3,000
• baggage delay emergency purchases up to £1,000
• cash or travel document replacement up to £1,000 each
• personal liability up to £5,000,000
• legal expenses up to £50,000

The final scope of cover will depend on the bespoke arrangement agreed for your business.

Optional extensions for broader cover

We can also help businesses that want broader protection beyond standard work trips.

Leisure travel extension

Our leisure travel extension can extend cover to personal trips for employees and their families.

It can also include 80+ amateur activities as standard, including water sports, cycling, hiking under 2,500m, safari, martial arts on an amateur basis, horse riding, and quad biking. Full activity details are available in the policy wording.

Winter sports extension

Our winter sports extension can include:

• ski equipment (owned) up to £1,000
• ski equipment (hired) up to £500
• unused ski pack up to £600
• piste closure up to £50 per day, max £500
• avalanche delay up to £500

How it works

1. Tell us about your business

We start by understanding how your organisation travels, who needs cover, and what kind of trips are involved.

2. We shape the right solution

We work with you to structure a business travel insurance option that reflects your needs.

3. Your team travels with confidence

Once cover is in place, your business has a clearer, more dependable approach to travel insurance for work trips.

4. Support is there when needed

If something goes wrong while an employee is away, support is available to help guide the next steps.

Why businesses choose OGSure

Anywhere-to-anywhere cover

Our business travel insurance is designed for companies with international operations and globally mobile teams, without narrow origin or destination thinking.

No residency requirement

For businesses with international or expat workforces, that flexibility can make a meaningful difference.

Lloyd’s-backed security

Our business travel insurance is underwritten at Lloyd’s of London, giving employers the reassurance of globally recognised, A-rated security.

Clean, scalable structure

The product is built to work cleanly across business travel programmes without creating unnecessary complexity for employers or partners. 

How it works in practice

When something goes wrong during a business trip, the support process needs to be quick and practical.

1. Emergency support is available immediately

If an employee has a medical emergency abroad, they can contact the 24/7 assistance line for immediate help. Multi-lingual operators can coordinate the next steps.

2. Direct settlement where appropriate

In many hospitalisation cases, we can settle costs directly with the hospital, reducing the need for employees to pay large amounts out of pocket.

3. Non-emergency claims are handled by our UK team

For non-emergency claims, documents should be submitted within 31 days of return, and claims are handled by a dedicated UK-based team. 

Need business travel insurance for your company or team?

Contact OGSure and one of our policy experts will help you put together the right solution.

You may also find these pages useful:

• Travel Insurance FAQs
• Policy Documents
• Contact Us
• Emergency Assistance

Frequently asked questions about business travel insurance

What is business travel insurance?

Business travel insurance is travel cover designed for employees or representatives travelling for work.

Is this a standard online quote product?

No. OGSure business travel insurance is arranged as a bespoke solution, so the best next step is to contact our team.

Who can this cover work for?

It can work for companies, organisations, and teams of different sizes, depending on how they travel and what they need.

Can you cover frequent business travellers?

Yes. A bespoke arrangement can be shaped around organisations with regular or repeat travel needs.

Can you help with international business travel?

Yes. OGSure can help businesses looking for cover for international work trips and travelling employees.

Why not just buy separate individual policies?

For many businesses, separate retail policies create more admin and less consistency. A bespoke solution can be easier to manage and more suitable for employer-led travel.

How do we get started?

Contact OGSure and one of our policy experts will discuss your travel needs and the type of solution that may suit your business.