In many industries, routine business travel is a necessary part of the job. Since businesses are responsible for anything that happens to employees while they’re on the clock, insurance via business travel accident coverage is one of the best ways to prevent a minor incident from becoming a major hassle.
1. More Opportunities for Accidents
Any time you get in a car or plane, you face the inherent risk of experiencing an accident. Thus, traveling for work greatly increases your chances of becoming injured on the job. This is especially true for those who travel frequently or those who make international trips.
2. Expect the Unexpected
Although transportation issues may be the most obvious threats while traveling, there are countless other risks that can affect travelers. Depending on the location, employees may be exposed to serious illnesses or even acts of violence. It’s also wise to plan for medical emergencies that are unrelated to travel, as they can occur anytime and anyplace.
3. It’s Not Just for Employees
Fortunately, business travel accident insurance can be extended to cover affiliated individuals who aren’t technically employees. This ranges from company board members to tourist groups such as students or missionaries.
Business travel accident coverage exists to help cover the costs of any injuries or illnesses an employee experiences while traveling on business. It helps companies fill in the gaps left by traditional employee insurance policies so they can focus on business without fear.