Personal Accident and Business Travel Insurance is becoming increasingly attractive to those UK employers who value their employees and their wellbeing.

Here are 10 good reasons that might just make you wish to consider Personal Accident and Business Travel (PABT) insurance  too.

1. It helps an employer demonstrate their commitment to their legal Duty of Care responsibility, under the Health and Safety at Work Act 1974, for employees working both in their UK workplace/s and on overseas assignments. This can be invaluable in the event of any enquiry or legal case.

2. It provides employees with a valuable additional employment benefit and that can assist with both recruitment and retention, at a time when talent pools are shrinking in all industries.

3. Offering PABT can also assist a company’s reputation, allowing it to stand out within its sector and demonstrating good corporate principles and ethics.

4. Where employees work in an environment where there are higher workplace risks, for example around machinery or nuclear, chemical or biological substances, or where there are risks attached to the type of work and its processes, this protection can be invaluable. It will not just offer compensation but extensive rehabilitation services and funds through which an employee could have their home or workplace adapted, to accommodate new needs.

5. At a time when mental health makes so many headlines, PABT cover also provides counselling support, both for those impacted by a work-related scenario that affects health and wellbeing and family members who are also affected.

6. Where employees work overseas, the policy offers a safety net, ensuring they would have a means of being evacuated, where necessary, for example after a natural disaster or due to a political uprising. Should kidnap or hijacking occur, there is again access to specialist services and potentially funds to pay a ransom.

7. The health and accident impacts that can occur when an employee works overseas are also covered. First-class medical treatment is assured and repatriation arranged, where required. The policy also provides family and employer liaison and offers translation support, if there are language barriers.

8. Personal Accident and Business Travel Insurance  cover offers many means of preventing incidents and situations from arising, whether that is through training modules, Apps or specialist advice concerning health situations in certain countries, vaccinations required, or political situations to watch.

9. There is also cover for losses, whether that is computer equipment, passport or visa, keys or baggage, or because of the impact of losing an employee’s time, for a period, through a scenario like kidnap. This can help keep business plans on schedule.

10. It helps employees lodge claims against third parties who cause them harm in some way, providing the means to launch a legal case. Considering third-party impacts on employees is becoming increasingly important for employers.

If Personal Accident and Business Travel Insurance  cover already makes good business sense to you, discuss it with us today. Call our Leeds-based commercial insurance brokers at Gauntlet Group on 0113 244 8686, or source a local broker through our easy-to-use map.

Photo by Basil Lade on Unsplash – business travel