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Business Travel Insurance

As a business owner, you have a legal obligation to keep your employees safe when they travel for work. The Management of Health & Safety at Work Regulations (1999) stipulates that employers must make

suitable and sufficient risk assessments for all work activities, which include domestic and foreign travel.

The Institute of Directors (IoD) is pushing for a reform of directors and officers (D&O) insurance after the recent acquittal of four executives at technology company iSoft. D&O cover is meant to indemnify directors and officers, but the precedent set by the iSoft trial has the IoD worried. The four iSoft directors, though acquitted, had to fund their own legal battles against accusations that they conspired to make misleading financial statements. Their D&O insurer stated that they had violated

the terms of their cover and would not receive defence costs pursuant to their policy. The insurer declined to pay out before hearing an official verdict, prompting some in the industry to

label the insurer’s actions as Keep Your Employees Safe: Travelling for Business Insurance cover

What Does Your D&O Cover?


A recent study found that 81 per cent of surveyed companies believe reputation is their most important asset, but most respondents expressed their inability to effectively manage it. Organisations are

clearly struggling to protect their image. Read on to find out why it’s so easy for

reputations to be damaged, and how youcan protect your company’s reputation.

Risk management tips brought to you by the insurance professionals at Insurance Quote 365

Unfortunately, the risk assessment will not identify every hazard. The following tips can also help ensure the safety of your travelling


. Be vigilant and obey local laws.

. Don’t take risks you wouldn’t

take at home.

. Don’t openly display valuables.

. Confirm that your mobile phone works at your destination.


You must inform your employees about the types of risks they face before travelling for work. A pretravel


risk assessment can include:

. Pre-planning issues

. Health issues

. Environmental issues

. Safety and security issues

. Transport issues

. Job-related issues

Inspire Insurance Services Ltd

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Middlemarch Business Park                                        



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