Business Travel Insurance
Tailored protection for your work trip, wherever business takes you.
- Dedicated business cover for work trips
- Tailored cover that fits your itinerary and professional needs
- Choose from single trip or annual multi-trip policies
Whether you’re heading abroad for a one-off meeting or travel frequently for work, having the right insurance gives you peace of mind.
Business cover is available as an optional add-on with both single trip and annual multi-trip travel insurance policies, so you can customise your cover to suit your plans.
What is business travel insurance?
Business travel insurance is not a standalone policy – it’s an optional add-on to a standard travel insurance policy, providing additional protection tailored for work-related trips.
Business travel insurance provides cover for valuable business equipment and may help with costs if a colleague needs to replace you due to an emergency – giving you and your business added confidence while travelling.
Business cover can be added to both single trip and annual multi-trip policies through Asda Money, whether you’re travelling within the UK, across Europe, or Worldwide – and is available across all cover levels (Value, Premium, and Superior).
What does business travel insurance cover?
When travelling for work, you often carry additional items like your work laptop and phone, which need extra protection. You might also encounter events that require specific cover, such as hiring business equipment or managing unexpected delays.
Our business travel insurance add-on is designed to meet the unique needs of business travellers and can be added to any of our cover levels - Value, Premium, or Superior.
| Additional benefits | What’s covered? |
|---|---|
| Business equipment | Loss, theft or damage of business equipment Cover for computer, phones, and communication devices Essential items if equipment is delayed/lost over 24 hours Emergency courier expenses to replace essential business equipment |
| Hiring business equipment | Daily allowance to hire equipment if yours is delayed over 24 hours, or lost, damaged or stolen |
| Business money | Cover for lost business money (cash/traveller’s cheques) whether self employed or on behalf of an employer |
| Extra personal accident benefit | Double the standard personal accident benefit when travelling for business and transport/accommodation is paid (by you or your employer) |
| Extra baggage delay benefit | Cover for buying essential business items if baggage is delayed more than 12 hours during outward journey |
Limitations and exclusions on travel insurance for business
Travel insurance policies will vary, but most travel business insurance won’t provide cover for:
| Exclusions | What’s not covered? |
|---|---|
| Undisclosed pre-existing medical conditions | Your policy will cover you if you fall ill or sustain injuries whilst travelling and require healthcare, but you won’t be covered for any issues that arise due to pre-existing medical conditions that you haven’t already disclosed. Find out more about travel insurance with pre-existing medical conditions. |
| Reckless or negligent behaviour | You may not be able to claim for anything that happens due to a result of your own reckless or careless behaviour, such as losing your luggage by leaving it unattended or missing a flight due to poor time management. |
| Alcohol and drugs-related incidents | It’s unlikely you’ll be able to claim for damages, injuries, or lost or stolen goods if they occurred due to you being under the influence of drugs and/or alcohol. |
| Risky activities | Taking part in risky and dangerous activities, such as water sports or winter sports, may require you to take out additional cover. Injuries you sustain when taking part in these activities won’t be covered by your standard business travel insurance policy. |
| Valuable possessions | Although valuable business equipment will be covered, the same may not apply for your personal possessions. You may have to take out additional valuables cover, such as gadget cover, to ensure they’re protected. |
| Travelling against government advice | If the Foreign, Commonwealth & Development Office (FCDO) has advised against travelling to a certain country or region, and you still go, your business travel insurance may not cover you for these destinations. |
How much does business travel insurance cost?
Like any standard travel insurance policy, the price you pay for business travel insurance cover will depend on the details of your trip and your own circumstances. Factors include:
- Your age - if you’re older you’ll typically pay more for your travel insurance, as older people are viewed by insurers as more likely to claim for medical and healthcare costs.
- Your health - you may have to pay more if you have pre-existing health conditions.
- The destination(s) you’ll be travelling to - some destinations may be seen as riskier, while others, like the USA and the Caribbean, have higher medical costs.
- The length of your trip - the longer you’re away, the more likely you’ll make a claim.
- How many times you’ll be travelling - whether you need single trip or annual multi-trip.
- Level of cover – whether you choose Value, Premium or Superior cover.
- Any additional cover you add to your policy - like gadget cover or golf cover.
- Any additional activities – you will need extra cover for some activities, such as skiing.
With Asda Money, you can easily compare travel insurance quotes to make sure you can find the best option for your trip.
Single-trip vs annual multi-trip business insurance
The type of travel insurance you’ll need depends on how often and where you travel for work. You can add business cover to either a single-trip policy (ideal for one-off work trips) or an annual multi-trip policy (a cost-effective choice for frequent travellers).
If you're travelling to more than one location on your trip, make sure you select the appropriate insurance for all your destinations – whether European cover or Worldwide cover including the USA, Mexico, Canada and the Caribbean – so you're covered for all the sites or offices you’ll need to visit for your business trip.
Get a quote for business travel insurance
Do I need business travel insurance?
Adding business cover to your travel insurance policy can help ensure you’re protected when travelling for work. Whether you’re carrying valuable business equipment, dealing with last-minute cancellations, or facing unexpected delays, travel insurance with business cover can provide peace of mind.
Business travel insurance covers specific work-related situations, such as the loss or theft of business devices, hiring replacement equipment, or protecting your business money.
If you’re frequently on the go for work, having tailored coverage could help you avoid costly disruptions. However, it’s ultimately your decision whether adding business cover is the right choice for your needs.
Business Travel Insurance FAQs
- What is business cover in travel insurance?
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Business cover in travel insurance is an optional add-on that provides extra protection for work-related travel. It includes coverage for valuable business equipment, the cost of replacing colleagues in case of an emergency, and other work-specific situations that aren’t covered by standard travel insurance.
- Is business travel insurance a legal requirement?
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Travel insurance for business is not a legal requirement. However, it may offer additional protection beyond what standard travel insurance covers, particularly for work-related situations. While it’s not mandatory, some people may find it helpful depending on their specific needs and circumstances.
- What happens if you don't have business insurance?
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If you choose not to have business travel insurance, you may need to cover certain costs out of pocket that could typically be included in an insurance policy, such as lost luggage, missed flights, or medical expenses. Business travel insurance can offer additional protection for work-related items, like your laptop, and help ensure you’re covered in the event of unexpected disruptions during your trip.
- Where can I travel to on a business travel insurance policy?
- Why compare travel insurance through Asda Money?
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Comparing business travel insurance quotes through Asda Money makes it easy to find a policy that fits your needs and your budget. You can tailor your cover to suit your destination(s), choose the level of protection you need, and add any optional extras to match the nature of your trip.
At Asda Money, we’re proud to be a trusted name in travel insurance – recognised with Gold for Best Travel Insurance Provider by Moneynet for four consecutive years (2022- 2025).
Getting a quote takes just minutes, and with a wide range of options available, you can personalise your policy for confidence and peace of mind on every business trip.
- What if I take more than one business trip?
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If you’re planning to travel for business three or more times during a 12-month period, an annual multi-trip policy could be a convenient option. It provides cover for multiple business trips within a single year, so you don’t need to take out a new policy each time you travel.
ASDA Money is a trading name of Asda Financial Services Ltd and Asda Stores Ltd which for travel insurance are Introducer Appointed Representatives of Insure & Go Insurance Services Ltd. Asda Travel Insurance is arranged by IES Limited, which is registered in Gibraltar company number 117274. Registered Office: 1st Floor, Portland House, Glacis Road, Gibraltar, GX11 1AA. IES Limited is licensed and regulated by the Gibraltar Financial Services Commission number FSC25393 and trades into the UK on a freedom of services basis, FCA FRN 824283. Asda Travel Insurance is administered by Insure & Go Insurance Services Limited. Insure & Go Insurance Services Limited is authorised and regulated by the Financial Conduct Authority, firm reference number 309572.
Our Travel Insurance policy now covers for Medical costs and Cancellation claims on policies where customers or a member of their family / travelling party are diagnosed with Coronavirus, or are personally instructed to quarantine because of Coronavirus by an NHS service or healthcare professional. All other claims relating to COVID-19 or Government restrictions on travel are excluded. If the FCDO advises against travel to your destination because of Coronavirus, we will still be able to cover you for non-Coronavirus related claims. For more details on this, please see our FAQs.
*Up to three kids go free per insured adult, subject to medical screening, when you buy direct from us.