There are many misconceptions about insurance coverage while employees are on the road. In this article, learn the facts about business travel coverage.

Myth: “Business Travel Accident (BTA) insurance only covers international work trips.”

Fact: It can cover both international and domestic travel, including client meetings across the street, trips to the office supply store, and even deliveries around town.

Myth: “Workers’ compensation covers business travel accidents.”

Fact:  Workers’ compensation provides coverage for on-the-job accidents and illnesses. If you arrive a day early to a conference and are accidentally injured, you may not be covered. BTA insurance complements workers’ comp by helping to fill potential gaps in coverage.

Myth: “Personal excursions taken during business trips aren’t covered.”

Fact: Business Travel Accident insurance can cover personal trips immediately before or after business travel.

Myth: “Business Travel Accident insurance only covers employees.”

Fact: A BTA insurance policy can cover different classes including employees, non-employee board of directors, spouses/domestic partners, children, and guests. (Eligible groups may vary by state.)

Myth: “Business Travel Accident policies are not flexible.”

Fact: Coverage and benefit options are customizable for businesses of all sizes and can be as specific as short-term coverage for a sales convention trip or as broad as 24-hour coverage.

Myth: “BTA insurance does not include emergency travel assistance.”

Fact: While not all BTA policies include 24/7 non-insurance travel assistance, there are options available to tailor your travel coverage with non-insurance travel assistance services, such as security evacuation and emergency medical assistance.

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Disclosure

Business Travel Accident Insurance is an Accident Only Policy.

This is a brief description of coverage provided under policy form series AH52051, underwritten by Berkley Life and Health Insurance Company (domiciled in Iowa – California Certificate of Authority #08527) and/or StarNet Insurance Company (domiciled in Iowa – California Certificate of Authority #6978) 100 American Metro Boulevard, 2^nd Floor, Hamilton, NJ 08619 and is subject to the terms, conditions, limitations and exclusions of the policy. Please see the policy for complete details. Coverage terms, conditions, limitations and exclusions may vary or may not be available in all states. For complete details, please contact us at [email protected]

The insurance described provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to supplement comprehensive health insurance plans. This insurance is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential coverage as set forth under the Patient Protection and Affordable Care Act.

Travel assistance services are provided by Healix and are not insured benefits. Berkley Accident and Health, W. R. Berkley Corporation, and its underwriting companies are not affiliated with Healix and are not responsible for nor assume liability for the travel assistance services provided by Healix.
Healix International operates as HX Global in the US.

Insurance coverage is underwritten by Berkley Life and Health Insurance Company and/or StarNet Insurance Company, both member companies of W. R. Berkley Corporation and both rated A+ (Superior) by A.M. Best. Not all products and services may be available in all jurisdictions, and the coverage provided is subject to the actual terms and conditions of the policies issued. Payment of claims under any insurance policy issued will only be made in full compliance with all United States economic or trade and sanction laws or regulation, including, but not limited to, sanctions, laws and regulations administered and enforced by the U.S. Treasury Department’s Office of Foreign Assets Control (“OFAC”).

© Berkley Accident and Health    9/24                                                                     BAH SR 2024-108