Single trip business insurance

Travelling for business? Find out more about the right travel insurance, and compare quotes to get the cover you need. 

Travelling for business? Find out more about the right travel insurance, and compare quotes to get the cover you need. 

Emily Kindness
From the Business team
minute read
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Posted 28 NOVEMBER 2019

What is single trip business insurance?

Single trip business insurance is a special kind of business travel insurance policy that covers you for a one-off business trip, either abroad or in the UK.

Typically it will cover you for:

  • Medical costs: Medical cover of £10 million is normal for cover of this type. Don’t forget to inform your insurer of any existing conditions. Some policies will also offer emergency dental cover, so check the policy details if that’s important to you.
  • Trip cancellation: Your policy will cover you for losses up to a fixed limit if your trip is cancelled or cut short, usually for one of the following reasons: 
    • death, injury, illness or disease happening either to you, your travelling companion, the person you’re staying with, or a close relative
    • jury service demands
    • redundancy
    • you’re a member of the emergency or armed forces and are called up
    • a police request for you to stay at home for emergency reasons

Why would I need single trip business insurance?

An obvious reason is if you don’t have an overall business travel insurance policy in place, perhaps if you own or work for a small business, or if you don’t usually travel for work.

Larger companies and employers often have business travel insurance, but it’s still worth checking they do if you’re not sure, and finding out exactly what’s covered.

If you travel a lot for business, you might want to look at annual travel cover rather than a single trip policy.  

What extra cover is available?

Single trip business insurance can also cover you for things like:

Delays and missed connections/departures, which could be especially useful if you have lots of meetings or appointments lined up. Cover for this is available as part of a single trip policy, though you may well have to pay extra for it.

Baggage and money: Basic policies will typically have low single article limits and lower total limits overall compared to more comprehensive policies. So if you plan to travel with expensive equipment or large sums of money, it may be a good idea to look into extra cover.

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