hienfeld business travel insurance

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Table of Contents

What is business travel insurance?

Why should business travelers get a business travel insurance policy, does travel insurance cover business trips, what is business travel accident insurance, do credit cards offer business travel insurance, business travel insurance, recapped.

Imagine the following scenarios. You’re meeting potential clients in their city in the morning, but your checked back, including your suit, didn’t make it. You’re giving a presentation, but some equipment has been stolen out of the hotel conference room. You got food poisoning from a restaurant where you had a business lunch and now require medical attention.

When going on the road for business, the last thing you want is to worry about these types of situations.

Business travel insurance provides coverage for the trips you take as part of your business or for a company that employs you. Knowing that some things don’t always go as planned during travel, you might find yourself benefitting from a business travel insurance policy.

Just like personal trip insurance , business travel insurance covers the unexpected during a business trip. A business travel insurance policy can help get reimbursements for travel expenses caused by trip delay and interruption , baggage delay, business equipment theft, emergency medical care, emergency medical evacuation and collision damage insurance for a rental car.

Depending on how often you travel, it's possible to get an annual insurance plan that will cover multiple trips or insure select travel on a trip-by-trip basis. An annual travel insurance plan is more cost-effective, but it might have lower limits than a single-trip policy.

The short answer is because you can never predict anything. The long answer is that it’s good for the following:

Reducing out-of-pocket expenses: One thing gone wrong, and you’re on the hook for unforeseen travel expenses. For example, medical evacuation can cost tens of thousands of dollars, so it’s important to keep those potential financial losses at bay when possible.

Increasing existing coverage: If you have a personal medical insurance plan, it’s important to note that most private insurance providers don’t provide medical coverage abroad. A credit card with travel protections can be a good start, but these benefits typically offer lower coverage limits.

Providing peace of mind: Having insurance can take some of the anxiety out of traveling. Even if the business trip is going according to plan, you'll know that you have safety nets in place should anything go awry.

» Learn more: How to find the best travel insurance

It depends. Some corporations offer travel insurance plans for their employees on the road. You should double-check with the human resources manager of your company as to whether business trips are covered.

It gets tricky if you’re an independent contractor or a freelancer since you don’t have a corporation behind you. As a sole proprietor, make sure to consult with your insurance provider, but be aware that a personal travel insurance policy might not cover business travel.

Instead, we recommend looking into business travel insurance that will cover your personal trips as well.

For example, the annual AllTrips Executive insurance plan from Allianz covers all trips for the year — personal and business — for a one-time fee. This becomes especially handy when you decide to mix business with pleasure and extend a work trip by adding on a few vacation days.

This policy covers trip emergency medical coverage for up to $50,000 and emergency medical transportation for up to $250,000. Travel delay is covered up to $1,600 and baggage loss or delay is covered up to $1,000 each.

An important feature offered by the AllTrips Executive plan is business equipment coverage. If it’s lost, stolen or delayed by the airline, equipment rental or replacement will be covered up to $1,000 each.

AIG Travel Guard , IMG Global and Zurich all offer business travel insurance, too.

Business travel accident insurance covers you in the event of the unthinkable — death or dismemberment. If it sounds like life insurance, it’s because it provides similar coverage but for when you’re traveling on a common carrier, such as an aircraft, a train, a bus or a cruise ship.

If you or someone in your family holds a life insurance policy for you, business travel accident insurance is going to pay out on top of it.

Some travel rewards credit cards offer travel coverage , but it isn’t always on par with a dedicated business travel insurance plan.

For example, the Ink Business Preferred® Credit Card and the United℠ Business Card offer primary auto rental collision damage waiver on cars rented for business purposes. To receive coverage up to the cash value of the car, you must decline the rental company’s own collision damage insurance and pay for the rental with one of these credit cards.

Note that trip cancellation and trip interruption are covered up to $5,000 with the Ink Business Preferred® Credit Card , but trip delay maxes out at $500. Although the United℠ Business Card comes with the same trip delay coverage limit, trip cancellation and trip interruption top out at up to $1,500 per ticket. Baggage delay is limited to $100 per day under both cards’ coverage.

The Business Platinum Card® from American Express offers the same secondary coverage for trip interruptions and trip cancellations: up to $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. For trip delay, the card covers up to $500 per covered trip up to two times per 12 consecutive month period. Terms apply.

Although some insurance coverage offered by your travel rewards credit card is good to have, as you can see above, the coverage limits are typically lower than if you were to buy an annual policy or a single-trip business travel insurance policy.

Credit cards also offer common carrier travel accident insurance and cover costs in case of accidental death and dismemberment. In this case, the first two of the aforementioned cards include coverage for up to $500,000, which is higher than what some annual or single-trip business travel insurance policies usually cover.

» Learn more: The best travel credit cards right now

Business travel accident insurance covers costs accrued in the course of business travel related to medical emergencies, accidental death and dismemberment and emergency evacuations. Specific coverage will vary by insurer.

Given that business travel is typically undertaken with specific business goals in mind and requires companies to take on overhead, travel insurance is likely worth the fraction of trip expenses that it costs to ensure that a company doesn't lose both cash and opportunity at the same time should things not go as planned.

Business travel insurance costs will vary based on the destination, duration of the trip, age of the traveler and the amount of money spent on the trip, among other factors. Some insurers offer annual plans, while others provide coverage on a trip-by-trip basis.

While specific coverage will vary from insurer to insurer, a business travel accident policy typically covers expenses related to medical incidents that occur in the course of the covered business travel.

If you have a personal travel insurance policy, check the terms to see how much applies to business travel. If none, consider purchasing an annual insurance plan for frequent business trips or a single-trip policy for occasional business travel and check with your company to see if the cost of the travel insurance is something you can expense.

Remember that some credit cards offer travel insurance for your business, but note the low payout limits if you choose not to purchase additional coverage.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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The Best Business Travel Insurance (2024 Guide)

Business travelers need travel insurance cover potential unexpected delays, cancellations, interruptions or baggage loss.

in under 2 minutes

Nicole Leigh West is an experienced lifestyle journalist and writer for publications including Wanderlust, TripSavvy and Vacations & Travel. Along with roaming the globe and penning fiction novels, Nicole works for World Words as a sub-editor and writer.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Travel insurance for business travelers covers specific needs that may differ from personal vacations. For example, you may need an insurance policy to cover a laptop or other business equipment and a rental car. Trip insurance can also provide peace of mind that you have coverage while traveling so you can focus on work.

We at the MarketWatch Guides Team have researched the best travel insurance companies to help you choose the right business travel insurance policy. Read on to learn more about the benefits, coverage options and cost of business travel insurance.

Why Trust MarketWatch Guides

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Why Get Business Travel Insurance

Often referred to as corporate travel insurance, business travel insurance can protect you from financial risks and losses during work trips. While personal and business insurance products still offer trip cancellation and medical coverage, there are a few key differences compared to standard travel insurance.

Business travel often includes unique risks due to frequency, trip costs and busy itineraries that require transportation. Frequent business travelers may benefit from multi-trip or annual insurance plans, along with generous coverage limits for trip delays, lost luggage and stolen business devices. These types of trip policies can help combat financial losses related to work travel.

What Business Travelers Need Covered By a Travel Insurance Policy

Below is a list of the main policy types for business trip insurance.

Trip Cancellation and Interruption Coverage

If you need to cancel a business trip or cut it short due to disruptions, travel insurance with trip interruption and cancellation coverage can help recover non-refundable, prepaid costs. Reimbursement is subject to reasons approved by your travel insurance provider and can vary. Generally, travel insurance covers cancellations due to the following unforeseeable events:

• The insured traveler or accompanying business partner suffers a serious illness or injury
• Death of a family member
• Natural disasters
• Terrorist events
• Inclement weather resulting in canceled flights
• An unexpected legal obligation such as jury duty

Since most policies cover cancellations for unexpected or emergent reasons, business travelers may choose to upgrade their plan with cancel for any reason (CFAR) coverage . CFAR coverage is an add-on that allows you more flexibility in canceling your trip.

Baggage and Personal Belongings Coverage

Travel insurance with baggage coverage reimburses partial or full costs due to:

• Lost or damaged baggage
• Theft of valuable business equipment
• Loss of travel documents

Furthermore, most policies provide baggage delay insurance to reimburse you for purchased necessities (like clothes and cosmetics) if your luggage arrives late to your destination.

Business Equipment Coverage

It’s important to check the fine print of policy documents to ensure you have sufficient coverage for specific business equipment. Many providers offer additional business coverage as an upgrade. For example, the Allianz AllTrips Executive Plan features specific benefits for business equipment and rentals.

What Is Business Travel Medical Insurance?

Business travel medical insurance can help cover emergency medical expenses during business trips. While some private health insurance extends international coverage, government health insurance will not pay for your medical care while traveling abroad. Comprehensive travel insurance plans also include emergency medical evacuation and repatriation coverage, along with accidental death and dismemberment benefits.

Travel medical insurance typically pays emergency healthcare costs related to:

• Ambulance service
• Hospital or medical facility fees
• Emergency dental work
• X-rays and lab tests

Business Travel Insurance Cost

The cost of travel insurance depends on your provider, coverage selections and destination. Generally, travel insurance policies cost $35 to $200 per trip. However, your cost may vary if you add business-related coverage such as device protection or rental car damage. You may also have a different rate if you opt for multi-trip or annual coverage.

You can also check with your credit card company to see if you have existing coverage, or opt for coverage through your airline. We suggest requesting quotes from at least three providers before selecting a travel insurance plan.

Benefits of Business Travel Insurance

Whether you’re embarking on a single-trip business venture or you travel for work regularly, it pays to safeguard your travel investments. Business travel insurance costs are minimal in comparison to expensive last-minute cancellations or health emergencies while overseas.

Here are some of the top benefits of a business travel insurance plan:

• Financial protection against unforeseen events
• Reimbursement of prepaid, nonrefundable costs due to travel delays, interruptions and cancellations
• Coverage of lost or stolen business equipment
• Some providers offer 24/7 travel assistance services for business travelers

Tips for Choosing the Right Business Travel Policy

Most comprehensive travel insurance policies are suitable for business travelers. You may choose add-ons for extra protections, including rental car, CFAR and business rental equipment coverage. To choose the right policy, consider the below tips:

• Compare coverage options, exclusions and costs between insurance providers
• Evaluate the reputation and financial stability of each insurance company
• Look for coverage that includes loss or delay of business devices
• Consider providers that offer 24/7 travel assistance and concierge services for business travelers

Considerations for Business Travelers

Before purchasing business travel insurance, consider your personal requirements. For example, you may need coverage for pre-existing medical conditions. If you are traveling abroad, international travel or visa requirements could require valid travel insurance.

If you’re traveling with expensive electronic devices, check that your policy includes valuables or device coverage. Also, consider baggage loss coverage if you plan on checking any valuables with your bags. For regular business travel, consider purchasing multi-trip or annual insurance policies to pay one premium for multiple trips made during a specific time frame.

Is Business Travel Insurance Worth It?

Business trips often include significant prepaid costs for airfares, hotels and car rentals. It is ultimately up to you to decide if travel insurance is worth it for your next business trip. However, travel insurance for business travelers helps cover your financial investment, along with any valuable items you take with you or rent. Comprehensive travel insurance also provides peace of mind in the event of medical emergencies while you’re on business trips overseas.

Frequently Asked Questions About Travel Insurance for Business Travelers

What does business travel accident insurance cover.

Business travel accident insurance protects employees who travel frequently for work. Most policies cover accidental death or dismemberment, which typically applies to incidents that occur on common carriers in transit (like an airplane). However, some plans may include other medical benefits.

Will travel insurance reimburse expenses for a canceled business trip?

Reimbursement rates and conditions depend on your travel insurance policy. If your trip gets canceled for a reason covered by your travel insurance provider, you can claim reimbursement of prepaid, non-refundable costs, such as flights and hotels. Acceptable reasons for cancellation generally include unforeseeable emergencies like serious illness or injury.

Does travel insurance cover business equipment?

Not all travel insurance policies cover business equipment. Check with your provider to ensure you have coverage for specific business items or devices. Many companies offer upgrades and add-ons for extra coverage of valuables, along with plans specifically designed for business travelers.

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Travel Insurance

How to find the best business travel insurance

Jennifer Simonson

Kara McGinley

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 7:22 a.m. UTC Jan. 18, 2024

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• Business travel insurance can cover trip cancellation, interruption and delay, medical and emergency evacuation, lost baggage and stolen personal belongings.
• Not all travel insurance plans cover work equipment.
• Consider buying business travel insurance if you are self-employed, traveling overseas for business or planning to add leisure time to your business trip.

While business travel insurance might not be the first thing you think of when preparing for a business trip, a comprehensive travel insurance policy can help protect you from financial loss. 

Business travel insurance may make sense for you if you are self-employed and footing the bill for your business trip, or if you are traveling internationally and are worried about the cost of medical care abroad. It may also be a smart purchase if your company won’t reimburse you for extra expenses if you experience flight delays or need to cut your trip short because of an emergency back home. 

Compare the best travel insurance offers

Travel insured.

Via TravelInsurance.com’s website

Top-scoring plan

Worldwide Trip Protector

Covers COVID?

Medical & evacuation limits per person

$100,000/$1 million

Atlas Journey Preferred

Seven Corners

RoundTrip Basic

$500,000/$1 million

What does business travel insurance cover? 

Business travel insurance bundles together several types of coverage, which typically include:

• Trip cancellation insurance.
• Trip interruption insurance.
• Trip delay insurance.
• Travel medical insurance.
• Emergency evacuation insurance. 
• Baggage insurance. 
• Death and dismemberment insurance.

Coverage types and amounts vary depending on the travel insurance plan you buy.

“Travel insurance may cover trip cancellation, trip interruption, trip delay, medical expense and baggage for both leisure and business,” says Christina Tunnah, spokesperson for World Nomads. 

“The specific outcome of a claim, however, depends on the nature of the loss,” she says. “No matter what type of policy you choose, be sure to read the policy in its entirety so you understand any limitations or exclusions.”

Trip cancellation insurance for business trips

Trip cancellation insurance can reimburse you for 100% of the insured cost of your prepaid, nonrefundable travel expenses, such as airline tickets and hotel reservations, should you need to cancel your trip because of a reason listed in your policy. 

Reasons that are acceptable for trip cancellation benefits typically include severe weather and injury, serious illness or death of you, your traveling companion or a family member. 

Some travel insurance plans, such as AIG Travel’s Travel Guard Deluxe, will allow you to cancel if your business partner is injured, becomes seriously ill or dies. The Deluxe plan also provides trip cancellation benefits for select work reasons, such as unexpected job loss, employer-initiated transfer more than 100 miles from home and being required to stay and work during the scheduled trip. 

Trip interruption insurance for business trips

Trip interruption insurance can reimburse up to 150% of your insured trip expenses when you need to end your business trip early for a reason in your policy. 

If you have a death in your immediate family and need to return home early, trip interruption benefits could cover the cost of transportation to the airport and a last-minute flight home. It can also reimburse you for nonrefundable expenses like a hotel room that you will no longer need if you cut your trip short. 

Trip delay insurance for business trips

If your connecting flight is delayed or canceled, travel delay insurance can cover the cost of unexpected expenses you incur, like a meal at the airport or a night at a hotel. 

Trip delay insurance typically has a waiting period before benefits begin, so check your policy to see how many hours the delay must be before you can file a claim. Also, look for the daily and overall maximum benefits per person. If your trip delay insurance only provides $250 in coverage per day, that might not be enough for a taxi and hotel room. 

Know more about flight cancellations: Flight cancellations

Travel medical insurance for business trips

When on your business trip, if you get hurt or sick, travel medical insurance can help pay for medical care, imaging tests, lab work, medicine and a hospital stay. This can be particularly valuable if you travel to a country where your U.S. health care plan does not provide coverage. 

Emergency evacuation insurance

If you are badly injured or become severely ill in a remote location or underdeveloped country, emergency evacuation travel insurance covers the cost of transporting you to the nearest adequate medical facility for treatment. On some occasions, this coverage pays to fly you home for treatment. It may also include coverage for repatriation of remains if you die on the trip. 

Baggage insurance

If your luggage or personal items are lost, damaged or stolen, baggage insurance can cover the depreciated value of your belongings. This is typically secondary insurance, which means you’d have to file a claim with your airline or homeowners insurance first.

Baggage delay coverage can reimburse you for extra expenditures if you are without your bags for a period of time. There is usually a waiting period, such as six or 12 hours before benefits begin. If your bags still haven’t arrived after the waiting period, you can buy replacement items and file a claim for reimbursement. Be sure to note the maximum coverage limit per person as baggage delay coverage might only be a few hundred dollars.  

Many travel insurance plans do not include coverage for lost business equipment, so be sure to read your policy for exclusions. 

Death and dismemberment insurance

Business travel insurance often includes accidental death and dismemberment insurance. This might cover death or dismemberment that happens while traveling on public transportation, that results from a common carrier accident, that happens in any way except on a common carrier or that occurs at any point during your trip. Read your plan for details. 

What to look for in a business travel insurance plan

Business travelers should look for plans that include coverage for rental cars, business equipment, travel delays and trip cancellations. 

While most trip cancellation insurance policies cover emergency situations like the death of a family member or severe weather, some policies also cover business-specific cancellations. 

The Explorer plan from World Nomads, for example, includes trip cancellation coverage for certain business reasons, such as your company’s acquisition, merger or bankruptcy, physical damage to your company from a natural disaster, vandalism or theft and a requirement to stay by your boss. 

If your business trip requires you to travel with equipment, make sure it is covered under your policy. 

Allianz offers an annual AllTrips Executive insurance plan that covers both personal and business travel for an entire year. The AllTrips Executive Plan offers benefits for business equipment. If your business equipment is lost, stolen or damaged, Allianz will reimburse reasonable costs for equipment rental, replacement or repair. The policy covers up to $1,000 for replacement or repair and up to $1,000 for business equipment rental, per person, per trip.

Not all insurance plans cover work equipment. Insurance providers like World Nomads exclude coverage for professional equipment. If your bags are stolen, your personal belongings may be covered but your work devices or work-related gear like samples or trade show materials would not be, Tunnah says. 

Do you need medical evacuation insurance? 

Medical evacuation insurance is a good idea if you are traveling abroad to remote islands or regions of a country that have limited medical facilities or staff, says Scott Adamski, AIG Travel’s Head of Global Product Development. 

If this were to happen on your business trip, you might be close enough to get to a local clinic, but it might not be sufficient if the injury sustained requires advanced imaging or emergency surgery. In that case, you would need to be quickly transported to the nearest metropolis. 

Having medical evacuation insurance would be critically important because the costs associated with medical evacuations are expensive. 

“Even just from the Caribbean to Miami, an air ambulance will come with a five-figure cost, and we have seen many evacuations that land in the six figures. Because payment has to be confirmed before the air ambulance will even take off, travelers need to consider where the funds would come from,” Adamski says. 

He adds that while some group health policies offer coverage for evacuations, they may come with a coverage limit of $5,000 to $10,000. In the case of a $100,000 evacuation, you might be responsible for the balance. Facing such a financial burden while trying to get home could be overwhelming. A travel insurance plan with sufficient medical evacuation coverage would be vitally important in a case like this.

Most comprehensive travel plans include coverage for emergency medical transportation, but coverage amounts are typically lower in the more basic plans. If this is important to you, look for a plan with a high coverage limit.

Travel insurance company Travel Guard offers a coverage enhancement called “Medical Bundle” that doubles the coverage limits for medical expenses and evacuation on certain travel insurance products.

Frequently asked questions (FAQs)

Travel insurance covers your financial investment in a trip and extra money you spend because of unforeseen events that happen before and during your trip. 

A comprehensive travel insurance plan will include several types of coverage, including trip cancellation , trip delay, trip interruption, emergency medical care, emergency medical evacuation, baggage delay, and loss. 

When comparing travel insurance plans, look for what is covered and excluded from coverage, the daily and maximum coverage amounts, and the waiting times before coverage begins.

Travel insurance policies typically exclude routine physicals and dental care, elective medical procedures, mental health care, routine pregnancy, and injuries sustained during high-risk activities such as rock climbing or scuba diving. 

If you want coverage for extreme activities, look for a plan that offers an adventure sports upgrade, such as the Travel Guard Deluxe plan.

Business travel insurance can help protect you from unexpected incidents during a work trip such as travel delays or interruptions, lost luggage, and medical emergencies. 

It can be smart to buy business travel insurance for a business trip, even if your company is paying for your travel. Here are a few reasons why:

• Your company might not pay for a last-minute, one-way plane ticket if you need to cut your business trip short because of a family emergency back home.
• Your company might not pay your medical bills if you get sick or hurt while on a business trip abroad.
• Your company might not reimburse you if your personal belongings are lost or stolen while on a business trip.   

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

Kara McGinley is deputy editor of insurance at USA TODAY Blueprint and a licensed home insurance expert. Previously, she was a senior editor at Policygenius, where she specialized in homeowners and renters insurance. Her work and insights have been featured in MSN, Lifehacker, Kiplinger, PropertyCasualty360 and more.

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What's the Best Business Travel Insurance?

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Coverholders

Apc holland.

Based in The Hague, APC Holland offers a range of cover for the Dutch SME market via a network of brokers.

APC Holland is an independent MGA with very strong connections to APC Underwriting in London. Since 1993 APC Underwriting has offered SME products to brokers trough their online platform called QuoteMac.

APC Holland is also offering this QuoteMac on-line trading platform, a facility that to date has not been widely available in the local market.

APC Holland aims to become one of the leading MGA’s in Holland by both providing access to the Lloyd's and London markets and delivering a high level of service to our business introducers.

For further information please contact us here or visit our website .

AMICA NV (Antwerp Marine Insurance, Claims Associates NV) is a specialist in Marine Cargo Insurance and Charterers Liability insurance with a strong focus on trading companies.

With our team of specialists we are able to provide high-level service in respect of underwriting and claims as well as in respect of advising our clients on non-insurance related matters such as contractual disputes (late or non-performance, quality/condition issues, etc), drafting of sale/purchase contracts, mediation and arbitration.

Having worked in commodity trading companies themselves, our people have first hand practical experience with trading and shipping. We are therefore well aware of the problems and challenges that can occur and we know how to deal with these in an efficient and practical manner.

Over the years AMICA has built a solid reputation as a trustworthy and knowledgeable partner for the placement of risks and the handling and management of claims.

We have been a stable and reliable factor for our clients for over 30 years and are dedicated to remaining so in the future.

Bracht, Deckers & Mackelbert nv (BDM) were established in 1934. Today, BDM is one of the most reputable underwriting agencies in Benelux. It ranks among the top 3 of the Royal Belgian Association of Marine Insurers (ABAM/BVT) and is a recognised service provider to medium-sized businesses and multinationals worldwide.

Competence and technical proficiency are BDM´s assets and are reflected in a diversified portfolio of insurance products and services in Marine, Property and Casualty.

BDM exclusively operates through a network of approximately 100 insurance brokers and is specialised in developing tailor-made solutions. For Property & Casualty insurance policies, BDM works with market-based conditions. Additionally it has created a number of specific niche products, such as the particularly successful pleasure craft insurance ‘Waterproof’ and our product ‘presticar’ for exclusive vehicles.

Dedicated teams of experienced, multilingual insurance professionals are the backbone of BDM´s service-oriented business model. They deliver tailor-made risk management solutions and outstanding claims management services, including in-house handling of recoveries and litigation.

BDM has a solid financial position due to its listed (Euronext Brussels) shareholders, investment group Ackermans & van Haaren (BEL 20) and agro-industrial group Sipef.

BDM´s international orientation and profound knowledge of global markets reflects in tailor-made insurance protection for medium-sized businesses and multinationals throughout a wide range of industries.

As coverholder BDM underwrites autonomously for several Lloyd's syndicates and companies. In addition BDM has underwriting proxies for renowned conventional insurance companies.

Diamonds are a beautiful natural element which we at Driesassur have mastered over the years to insure from its original rough shape till the manufacturing of it into a sparkling beauty, full of light and energy.

In the same spirit, we have built very close relationships with our clients, Lloyd’s syndicates and brokers and also with various other European underwriters and Lloyd’s of London of course. We are blessed to have been a Lloyd’s coverholder for several years and honour this unique position.

Anywhere in the world, whether for the diamond trade, jewellery manufacturing, retail shops, Driesassur has a dedicated account handler available to service and guide you in one of our various overseas offices. Fine Art collectors or gallery owners will also benefit of custom made policies.

Our team of 100 enthusiastic colleagues is at your service around the clock, ready to communicate with you in your language of choice to give you the comfort you deserve from the first contact onwards.

Eeckman Art & Insurance

Well acquainted with the art world, Eric and Marc Hemeleers represent the third generation of Eeckman Art & Insurance directors and shareholders. Our insurance brokerage firm has long enjoyed the recognition of the most prominent international markets. Today, we consolidate and export our expertise through our offices in Belgium, France and Switzerland.

As we enjoy recognition as experts from insurance companies and art professionals alike, we aim our services at persons sharing our values and the same passion for art. Collectors, investment advisors, professionals, museums or institutions find with us an interlocutor that understands, analyses and offers tailor-made, innovative solutions.

Intent on remaining faithful to the spirit of company founder Léon Eeckman, we also support artistic creation through partnerships or cultural patronage.

Hoeksche Waard Assuradeuren

Hoeksche Waard Assuradeuren is a fully authorized insurance intermediary of local- and European insurance companies.

As a fully authorized insurance intermediary, we have the authority to sell products of insurance companies under our own label.

This is of great benefit for our clients, because we can provide quick service and custom-made policies.

Claims will be handled quickly and efficiently through our extensive IT-system and because of our collaboration with various claim-, repair companies and dealers.

Please feel free to visit our website for more information or contact us directly here .

Industrial Insurance Group

We are pleased to present to you the Industrial Insurance Group Belgium. Insurances are our core business. Insurances with added value, because security is our main concern in everything we do, motivating us to fulfil our mission, day after day. Which mission, you may ask. Here it is:

With our leading market position, we aim to be an excellent service provider and a landmark in the European insurance landscape.

We aim to build up a deep and long-term relationship with all of our partners.

inTrust Netherlands bv

Claim the best services

Offering unique and flexible solutions make inTrust the specialist in claims management and recovery services. Whether your claim is simple or complicated: our reliable specialists handle your claim efficiently. We offer this service for – or in cooperation with – brokers, insurers, multinationals, underwriters and more.

If you are looking for a partner in claims management and recovery services, you may expect not just expertise but also a significant dose of flexibility and reliability. A personal approach of your wishes is very important to us.

We are autonomous and independent within the Cunningham Linsey Group, a globally operating loss adjustment and claims management company.  It enables us to look across borders and to deploy our global expertise. If required we can rapidly and effectively make use of the skilss and expertise of our renowned sister company. Within the Cunningham Lindsey Group, inTrust Nederland act as hub for Europe. We are very well capable of looking after your interests.

We are very proud of our standing as Lloyd’s coverholder which offers us a unique position in the TPA market.

For further information, please contact us here or visit our website .

Neerlandse is the only insurance company in the Netherlands that offers catastrophe cover for flood for home owners, renters and homeowners associations. Neerlandse was established in 2011 specifically for the insurance of flood risk in its domestic market. Neerlandse may be new, but the coverage offered is backed by the well known 326 years old insurance market, Lloyd´s.

Neerlandse partnered with leading international engineering company ARCADIS for flood risk assessment. Neerlandse translated this into a web-based insurance solution that can assess and price the risk for an individual address and manages total risk on a national level.

Neerlandse offers the insurance solution on a white label basis in partnership with local insurance companies since 2015.

Paul l´Ortye

Paul L'Ortye Yacht Insurance is a Lloyd's coverholder and a yacht insurance specialist. With 40 years of experience we have a lot of specialized knowledge on board. Most of our clients are the owners of pleasure yachts worldwide. We also offer insurance services for business interests, such as yacht charter, P & I, crew benefits, yacht building and yacht transport. Our team provides a personal service with short lines to ensure the quick and efficient handling of our clients´ insurance needs.

Post & Co is the independent partner for Marine Liability and Logistics insurances for all players in the logistical chain, such as Ship Owners and Charterers, Terminal and Transport Operators, NVOCCs, Transport Intermediaries and Port Authorities.

As one of the few independent P&I specialists in the world, we make it our business to advise all of the above companies and their Insurance Brokers in negotiating the best insurance terms possible.

Our offices are located in Rotterdam, Seoul, Antwerp and Frankfurt. We operate on a global scale within the international shipping world.

We invite you to learn more about our products and services by exploring our website. In the process, we look forward to also learning more about your business. Please contact our staff for further information and assistance.

Qover is building the world first “Sliced On-Demand Digital Insurance Infrastructure”. As coverholder of the Lloyd’s of London, Qover specializes into providing traditional and Sliced On-Demand Digital insurance coverage through a B2B2C distribution channel.

Qover acts as an insurance wholesaler offering Insurance-As-A-Service to Consumer Businesses via lead generation or vertical integration. Qover has rethought insurance products and processes for a fully connected world and is digital not as Mean but as an End.

The solution has been created for businesses willing to add complementary consumer insurance solutions to their own products offering, allowing the final customer to buy insurance coverage at the point of purchase.

Concretely, Qover has created easy-to-use and robust API’s that can seamlessly connect to any IT ecosystem, website or app (i.e. e-commerce, digital broker, online retailer, etc.) and deliver a whole range of traditional insurance products as well as off-the-shelf tailored insurance solutions. The final customer receives a price in real time and can immediately purchase an insurance contract that will be digitally and instantly issued.

Qover manages digitally the whole stack of insurance: from product design to pricing and risk. Claims are settled by a professional independent administrator.

Qover is committed to bringing innovative products, swift distribution and customer centric approach to the insurance market.

Qover is headquartered in Brussels and operates in Europe.

For additional information, please contact us here or visit our website .

QSX Intermediaries BV

QSX Intermediaries BV was established in Amsterdam in 1985 in cooperation with Lloyd’s broker Thompson Heath and Bond (Ltd). In 1988 the shares held by the English partner were acquired by the Dutch management, making QSX an independent company.

The Company Mission is to provide Continental Europe  with  professional facultative reinsurance brokering services. Insurers located in North and South America and Asia  make use of the services that QSX offers in order to spread their large risks among European reinsurers.

During the 1990’s, QSX expanded the scope of its services, offering its services to Dutch insurers and large insurance brokers by placing complex, Dutch commercial risks with (re-)insurers throughout the world. The company moved to Rotterdam in 1998, to be at the centre of the Dutch insurance market. Ten years later, the emphasis shifted towards the placement of niche consumer insurance coverages and the company relocated to Deventer. Besides this location is QSX also represented in New York (USA), Milaan (I) en Gent (B).

A separate entity called CoverYou Verzekering B.V. was set up to handle the volume of policies for consumer insurance products. Lloyd’s of London awarded CoverYou the predicate “Coverholder”, allowing the company to issue policies and perform claimshandling on behalf of certain Lloyd’s underwriters. CoverYou focuses on the insurance of mobile electronic equipment (Smartphones, Tablets, Notebooks). Sales are carried out in The Benelux, Germany and Italy.

In 2014 , the logical step was taken to house the claimshandling activities in a separate entity, called QSX Claims Services BV. QSX Claims not only takes care of its sister company CoverYou’s claimshandling, but also acts as a Third Party Administrator for the claimshandling and administration of other insurance companies and insurance brokers.

From QSX Intermediaries in 1985 to the QSX Insurance Group in 2015: the group now represents three companies, each with its own character and area of expertise.

SAA Assuradeuren BV is the managing general agent (MGA) of SAA Verzekeringen B.V.

SAA Assuradeuren offers a wide range of private- and business non-life insurance through a network of 1,400 agents and its own direct channel with various offices throughout the country. SAA Assuradeuren is licensed  by a wide range of national- and international insurers.

Started 1982, SAA Verzekeringen B.V. has been one of the top 5 independent insurance intermediaries in the Netherlands for 35 years, specialized in non-life insurance.

Within the SME market, SAA Verzekeringen has developed special areas of expertise: Marine (Inland shipping /  P & I / Yachts, Logistics & Fleets), Agriculture (Multi line) and Food services (Horeca). Thanks to this specialization, SAA is able to realize the right solutions for its customers through a wide range of purchasing channels, both as MGA and via the national- and international co-insurance exchange.

Specialized and sector focused claims handlers are 24/7 available to assist our customers in the event of a claim and they will take care of the professional handling .

Per 2019, SAA has a team of 500 motivated insurance experts who daily help clients to protect their futures.

Van Kampen Assuradeuren B.V.

For over 65 years, VKG takes care of the administration of more than 3,000 insurance brokers in the Netherlands. As a full service provider we offer products from more than 22 insurers in our underwriting agency. We provide the insurance brokers access to the entire financial market. VKG is an authorised coverholder of Lloyd's of London.

VSZ Assuradeuren

VSZ’s mission is based on the social interests of rapid recovery; this results in fewer benefits and ensures that the return to work is commensurate with the pay factor. Revenues and taxation instead of costs and benefits. And through this VSZ also wishes to make a genuine contribution to the happiness experienced by people in life, after all, working is an essential part of this!

VSZ is the private alternative to the UWV. VSZ provides financial solutions that enable businesses and establishments to become self-insurers for the Sickness Benefits Act and to insure this risk privately. Self-insurance means responsibility for employees. Not only during, but also after their employment contract. VSZ will ensure that the risk of sickness is insured and re-integration is guaranteed. VSZ works in partnership with Acture in respect of the re-integration guarantee. Acture is a private implementer of social security measures. This means that Acture, as opposed to the UWV, implements the Sickness Benefits Act for people that do not have employment contracts. As said above, should you decide to become a self-insurer for the Sickness Benefits Act,  Acture will completely take over from you the implementation of the Sickness Benefit Act, re-integration and the payment of sick pay, which will enable you to continue to focus on your company’s core tasks. Acture is a private implementer of social security measures. Acture gets employees back to work five times faster than the UWV and the risk of inflow into the WIA is reduced by a factor of 8.

Watch our video here about Insuring Social Security.

W.A. Hienfeld B.V.

W.A. Hienfeld B.V. is an independent family business. From its foundation in 1874, the company has underwriting and claims authority of leading national and international insurance companies. Since 1972 Lloyd's of London underwriters have been represented by Hienfeld. As a committed and creative insurer Hienfeld is an attractive partner for insurance brokers.

Hienfeld is the specialist for group accident, business travel, fine art and horse insurance.

Hienfeld’s leading position is the result of expertise, customer focus, personal contact, flexibility in tailor-made solutions and insurance concepts.

Hienfeld, a pleasure to do business with!

Wannet sports insurance b.v..

As approved coverholder of Lloyd's of London and following over 20 years of experience in this specific class of insurance business Wannet Sports Insurance can provide tailor-made insurance solutions. The most special risks for professional sportsmen/women and professional entertainers can be insured. We have a special disability insurance for every athlete or entertainer.

The special disability insurance is meant for the professional athlete/entertainer who wants good protection of the financial consequences in case of temporary and/or permanent incapacity to work. If you have to finish your professional career earlier, for example due to an accident, serious injury or a critical illness, it can lead to a serious financial loss. To cover against this financial loss you can purchase this disability insurance.

Our product will give cover against being unable to continue in the current occupation as a professional sports athlete/entertainer, due to accident and/or sickness. There can be a claim payment made following temporary and/or permanent disability from your professional career. Which cover suits you, is depending on your individual contract and in relation to your future earnings.

In addition to these individuals we are also focused on professional (sport) associations and organisations. We look after the interests of more than 40 professional football teams in the Netherlands, Germany and Denmark.

Hienfeld Travel Assistance

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I'm a financial planner, and I'd recommend annual travel insurance to anyone who loves to travel abroad

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Frequent and spontaneous travelers will likely benefit from annual travel insurance policies.
• Your credit card may come with some travel protections, but it may not be enough.
• When choosing a policy, look at what it covers, not just what's cheapest.

Summer is just a few months away — and if you're planning a vacation this year, the last thing you want is an unexpected event to derail your plans (and cost you hundreds).

Flights get delayed or canceled constantly. Luggage disappears into the ether. Medical emergencies occur in remote destinations. Yet many jetsetters simply cross their fingers and hope for the best rather than prepare for the worst.

That's why, as a financial planner, I believe it's crucial to consider protecting your trips with the right insurance coverage. One option often overlooked, particularly by frequent travelers, is annual travel insurance .

Annual travel insurance covers all your trips within 365 days. Unlike stand-alone travel insurance, which only covers you for a specific trip, an annual policy covers any trips you take within the year.

That's why I tell clients who travel frequently that an annual policy is a good choice for their needs. By opting for an annual plan, you don't have to go through the hassle of booking multiple policies and potentially save money compared to purchasing individual trip coverage. Here's how it works.

What to look for in a policy

While specifics may vary depending on the insurer and plan tier, most include the following key benefits:

• Trip cancellations or interruptions: You may be able to get reimbursed for expenses (even nonrefundable ones!) related to an illness, injury, or natural disaster that forced you to cancel or cut your trip short.
• Emergency medical and dental care: If you fall ill or get injured while traveling, your insurance can help cover the cost of medical treatment.
• Emergency evacuation: In a serious medical emergency or security situation, your policy will arrange and pay for transportation to a hospital or back to your home country.
• Lost, delayed, or damaged baggage: If your luggage is lost, delayed, or damaged during your trip, you can get financial coverage for essential items while you wait for your stuff to be recovered or replaced.
• Trip delays and missed connections: When your travel plans are disrupted due to issues like mechanical problems or severe weather, you may get reimbursement for additional expenses incurred, like meals, lodging, and transportation.

It's important to note that annual travel insurance plans have limitations. Certain high-risk activities, pre-existing medical conditions, and travel to specific regions may be restricted or require additional coverage.

Some travelers may assume that their credit card's built-in travel protections are enough. While many travel rewards credit cards offer perks like rental car insurance, trip cancellation, and baggage reimbursement, the coverage limits are often much lower than a dedicated annual travel insurance plan.

Credit card coverage for emergency medical care is also particularly limited — capped at a few thousand dollars — which may not be enough in the face of a major international medical emergency.

How much travel justifies an annual plan?

For the occasional traveler who takes one or two trips a year, single-trip policies will probably work for you. But if you fall into any of these buckets, you may want to consider an annual policy:

• Regular international travelers (three or more trips abroad yearly)
• Road warriors frequently away for work
• Adventurers engaging in high-risk activities like heli-skiing, scuba diving, or mountain climbing
• Cruisers and tour group travelers
• Students or retirees taking extended trips throughout the year
• Those visiting developing countries with limited medical care

Annual plans cover all of your trips within a 365-day period after purchasing. They're basically a bundle of multiple policies into one package deal. This means you only have to buy one policy to manage, locking in your coverage for the year.

How to decide if an annual policy makes sense for you

Start by reviewing your travel plans this year — and your risk tolerance. Calculate how much buying individual travel insurance policies would cost you over the next year and compare it to the price of an annual plan.

Don't just focus on the premium — carefully evaluate coverage limits, exclusions, and deductibles to ensure you have enough protection for your needs.

An annual policy gives you the flexibility to take spontaneous trips without the hassle of obtaining last-minute insurance. More importantly, it provides peace of mind, knowing that you're covered for a wide range of travel disruptions and emergencies.

As the busy summer travel season ramps up, definitely explore protecting your trips with insurance, especially if you're jetting off internationally. Spending hours on the phone trying to rebook canceled flights or worrying about affording an overseas medical emergency is no way to vacation.

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