Wednesday 24 February, 2016

Business Travel Insurance covers ‘duty of care’ obligations

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Travel Insurance specialist MPI Brokers makes its debut at the Business Travel Show in London today with a strong message for employers: remember your duty of care for staff who travel on business.

MPI provides Travel and Ski Insurance for a wide range of corporate clients and private customers.

Its first appearance as an exhibitor at the two-day Business Travel show, held at London’s Olympia, marks a significant turning point for MPI, which has previously concentrated its show and sponsorship activity on insurance for skiing and sailing.

In its latest Newsletter, released today, MPI spotlights business travel, asking: “Is your company keeping you covered?”

It says travelling on business carries similar risks to those when going on holiday.

“As an individual, you wouldn’t go skiing, for instance, without the correct insurance. So check that your employer has Business Travel Insurance in place.

“While the risks are similar the insurance arrangements for business travel are different to those for a holiday. Here’s why.

“Firms sending staff on business trips – in the UK or abroad – hold a ‘duty of care’ under employment law. This means they must provide for, typically, medical expenses, repatriation and a 24-hour emergency medical assistance helpline as well as travel delays, loss of personal effects, public liability and so on.

“Firms may carry this risk if they wish or – more usually – provide cover via a dedicated insurance policy.

“Your company arranges and pays for the trip which, in addition to the ‘duty of care’, creates the insurable interest. This is why the company must take out Business Travel Insurance.

“To ask employees to arrange their own insurance is not an option.”

MPI says the insurance may also cover additional travel costs, for example, if a second employee has to be sent out to complete a project or business meetings, after a colleague has been taken ill or injured while on the trip.

With its long experience of insuring individuals and corporate clients, MPI Brokers is well placed to provide Business Travel Insurance for organisations across the spectrum from small and medium enterprises to top companies.

In MPI's view, if employees travel, Business Travel Insurance is a must and this principle applies equally to those employed for a summer or winter season to work abroad.

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Last modified on Friday 14 September, 2018

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