Business Travel Accident (BTA) Insurance
Why choose Zurich for business travel accident insurance?
Zurich North America has the global reach, financial strength, industry knowledge and innovative mindset to keep up with the evolving and complex challenges of business travel. As part of Zurich Insurance Group, one of the world’s top travel insurance providers, we offer insurance products and services in more than 200 countries and territories to help protect your workers, your financial standing and your reputation.
Fulfilling Your Duty of Care
Sending employees abroad is essential for growth. With this opportunity comes a significant responsibility: your duty of care. Business Travel Accident (BTA) insurance is a cornerstone of a robust risk management strategy, demonstrating a commitment to your employees' well-being, wherever their work takes them.
By providing coverage for a wide range of travel-related risks, you are not just protecting your employees; you are building a culture of confidence and security. This allows your team to focus on their objectives, knowing they have the support of a global network if the unexpected occurs. Zurich works with you to develop a BTA program that aligns with your company's specific travel patterns and risk profile, supporting your global travel risk management strategy through structured accident coverage.
Related industries and insurance
Insurance solutions for Business travel accident
We customize employer-paid Business Travel Accident programs for middle market companies up to Fortune 500 enterprises. Our travel insurance for business offerings includes:
- Medical care and AD&D
- Accidental Death & Dismemberment (AD&D) insurance
- Overseas emergency medical expenses coverage (including COVID-19)
- Medical evacuation and repatriation (including COVID-19)
- Safety
- Travel and security assistance
- Includes access to assistance services for personal safety against crime and other hazards
- Security and natural disaster evacuation
- Travel and security assistance
- Inconvenience
- Travel cancellation, interruption, delay and rearrangement
- Loss of personal property, electronic business equipment and money
As one of a few truly global insurers, we bring the knowledge, infrastructure, services and more than 40 years of experience of our Multinational Programs to the Zurich Business Travel Solution.
- Dedicated team with one point of contact
- Global platform for rapid policy issuance, cash flow and efficient claims processing
- Cross-border solutions that comply with local laws, regulations and tax obligations
- Advanced analytics and monitoring
- Zurich Travel Assist
- Zurich Travel Assist mobile app
- Travel Assist portal
- Zurich Risk Advisor
- Zurich GPS (Global Program Support)
Real-World Scenarios, Real-World Solutions
Business travel can be unpredictable, but your response doesn't have to be. Consider these common scenarios where Business Travel Accident insurance can make a critical difference:
- Medical Emergencies Abroad: An employee on assignment in a foreign country experiences a sudden illness and requires immediate hospitalization. BTA insurance can cover the costs of medical treatment and, if necessary, medical evacuation to a location with appropriate care.
- Political or Natural Disasters: An employee is traveling in a region affected by sudden political unrest or a natural disaster. BTA insurance can arrange emergency evacuation services in accordance with policy terms.
- Accidents and Injuries: An employee is injured in a car accident while traveling to a client meeting. BTA insurance can provide benefits for accidental death and dismemberment, as well as disability benefits to support them during their recovery.
These are just a few examples of how BTA insurance can help you navigate the complexities of global business travel with confidence.
Zurich's Global Network in Action
When your employees travel the globe, you need an insurance provider with a truly global reach. Zurich's extensive network of professionals is present in countries around the world, ready to provide on-the-ground support when and where it's needed most.
This global presence means we can offer more than just financial protection. We provide local experience, including coordination with medical providers and support navigating international regulations. This seamless support helps to resolve issues quickly and efficiently, minimizing disruption to your business and providing your employees with the care and attention they deserve. Zurich supports your global travel risk management strategy through coordinated international capabilities and structured accident coverage solutions.
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FAQs
Employers need to help ensure the health, safety and well-being of their employees … wherever they work. Having a business travel accident (BTA) insurance plan helps companies meet their duty of care for their people, whether they are traveling locally, out of state or out of the country.
Our Business Travel Accident Insurance is customized for your coverage needs, and we understand protecting your workforce goes beyond the insurance itself. The Zurich Business Travel solution includes innovative technology, proven multinational capabilities and superior service and support to help provide medical, safety, security and general travel information and assistance to your company and your employees before, during and after travel.
The COVID-19 outbreak amplified potential risks of business travel and made it even more clear that pre-assessment of those risks, mitigation procedures, incident awareness and crisis response are as important as traditional business travel insurance for employees. The Zurich Business Travel Solution is a comprehensive program designed to help your company meet all of those needs.
Any company that has employees traveling for business purposes needs to fulfill its duty of care and have a quality business trip insurance program in place. No matter what industry your company serves, if business travel is a part of your operations, BTA insurance coverage should be a key priority.
Travel risks go well beyond incidents related to travel modes, as you will read below. From middle market companies to the world’s largest enterprises, helping protect employees traveling domestically or internationally for work is essential for operational and financial stability, as well as for the reputation of a business and its ability to recruit talent. Prospective employees want to know their employer is looking out for them and group business travel insurance is a strong way to appease that concern.
The Zurich Business Travel Solution helps your company respond to global, national and local events to help protect your employees. Business travel has always had many risks, but today the issues impacting your workforce can emerge unexpectedly and grow quickly. They include, but are not limited to:
- Pandemics
- Civil unrest/political upheaval
- Acts of terrorism
- Natural catastrophes
This is intended as a general description of certain types of insurance and services available to qualified customers through the companies of Zurich in North America, and is provided solely for informational purposes. Nothing herein should be construed as a solicitation, offer, advice, recommendation, or any other service with regard to any type of insurance product underwritten by individual member companies of Zurich in North America, including Zurich American Insurance Company, 1299 Zurich Way, Schaumburg, IL 60196. Your policy is the contract that specifically and fully describes your coverage, terms and conditions. The description of the policy provisions gives a broad overview of coverages and does not revise or amend the policy. Coverages and rates are subject to individual insureds meeting our underwriting qualifications and product availability in applicable states. Some coverages may be written on a non-admitted basis through licensed surplus lines brokers.