Business Cover is an optional extra listed for Silver, Gold and Black, with benefits for business equipment, money, hiring equipment and additional accident or baggage-delay benefits.
Without this additional cover, your policy will not cover the business trip, including any claims under the standard sections of your travel insurance.
The additional premium must be paid, and Business Cover must be shown on your policy schedule.
What this article helps you do
Compare the Business Cover benefit limits and excesses across Silver, Gold and Black.
Applies to
- Applicable policies: Silver, Gold and Black only
- Additional cover required: Business Cover must be paid for and shown on your policy schedule
Business Cover benefit limits
| Benefit | Limit |
|---|---|
| Business equipment | £1,000 |
| Single article, pair or set limit | £500 |
| Samples | £500 |
| Business equipment delay | £200 |
| Emergency courier expenses | £200 |
| Hiring business equipment | £50 per day, up to £500 |
| Business money | £1,000 |
| Cash limit (within business money) | £500 |
| Extra Personal Accident | Twice the standard benefit for your policy |
| Extra baggage delay | £100 after the first 12 hours, up to £500 after 24 hours for purchases made |
These limits are the same across the three policy types. The single-article, samples and cash amounts are sublimits, not additional benefits.
Business Cover excesses
For business equipment, business equipment delay, emergency courier expenses and business money, the applicable excess is:
- Silver: £60
- Gold: £50
- Black: Nil
Hiring business equipment, extra Personal Accident and extra baggage delay have Nil excess.
Important conditions
Business Cover only applies where the optional cover has been added and appears on your policy schedule. The standard Personal Accident amount used for the extra benefit depends on your policy and relevant age band.
Still need help?
Read your policy documents.
Eligibility, terms and exclusions apply. Please refer to your policy documents for full details.
Updated