Increasingly, business is coming more international in nature meaning that employees frequently need to travel abroad on business.
A duty of care and legal requirements fall on these businesses to ensure that employees are properly prepared for travel and support is provided to them during and after their trips.
Some of the risks faced by employees include:
- Road Traffic Accidents and Incidents
- Street crime and muggings
- Illness and Injury
As part of the duty of care to employees, employers must demonstrate that they are aware of these risks and that appropriate strategies are in place to try and mitigate this risk.
A company travel policy should ensure the highest possible degree of safety and security for employees whilst travelling abroad, as well as ensuring that all business related travel to ‘at risk’ countries is subject to a formal risk assessment.
It is vital that the company travel policy outlines what employees should do in the event of an incident. This should include contact details for the provider nominated on the company travel insurance policy.
Whilst it’s important to ensure the safety of employees, businesses could also be well advised to obtain personal accident and business travel insurance.
Cover can usually be arranged on a single or annual policy, and can include the following benefits;
Business Travel Cover
Legal expenses, overseas medical expenses (including additional travel expenses), repatriation, personal and business property, loss of money, cancellation expenses, political/disaster evacuation, personal liability, personal security assistance.
Personal Accident Cover
Accidental bodily injury, rehabilitation support, terrorism, loss of sight/hearing/ speech, dental/optical emergency expenses, hospitalisation benefit, medical expenses.
Having employees travel around the globe can be essential for business. We can help you meet your duty of care requirements, and make sure that you and your employees are protected wherever in the world you may require them to be. For further information, please do not hesitate to contact me.