What Is The Difference Between Business And Personal Travel?

smartly dressed man looking at a laptop

When going on a trip, it’s important to know the difference between personal and business travel insurance. After all, having the wrong policy could mean you’re not suitably protected should any issues arise. Read our guide and learn how to identify what cover you need for your next travels.

What Counts As Business Travel?

Business travel generally refers to travelling for any work-related reasons. This can cover a wide variety of events such as attending a conference, meeting with a client, or visiting another company. As the primary purpose is to conduct business, this will typically be planned and paid for by the employer.

When travelling for business, it’s highly recommended to take out a suitable business travel insurance policy. Like all commercial insurance, this will provide cover in the event of any unexpected issues arising. Travel insurance for business trips can offer varying levels of coverage but will often protect against expenses relating to trip cancellations, theft and loss of belongings, emergency evacuation, and medical emergencies.

At Higos, our specialist business travel insurance team can tailor our travel policies to your specific requirements. For example, our corporate travel insurance can provide coverage for industrial and charity work, or if you’re travelling to ‘high-risk’ countries the FCDO advises against.

What Counts As Personal Travel?

Personal travel, on the other hand, is usually travel for leisure or other non-business-related reasons. This includes trips such as holidays, family visits, or sometimes even taking part in adventure sports such as bungee jumping or scuba diving.

As with business travel, it’s recommended to take out personal travel insurance before travelling. While you may not be carrying your valuable work equipment, a travel insurance policy can still protect you in the event of any unexpected issues arising.

What Is The Difference Between Personal And Business Travel Insurance?

Business travel insurance is designed to address the unique risks and challenges faced by those travelling for work. It’s unlikely that a personal travel insurance policy will be able to give you the same level of protection. For example, travel insurance for business trips will usually provide cover for business equipment like laptops and phones, while personal travel insurance will only cover your own belongings.

With this in mind, it’s important to ensure you’re taking out appropriate cover before your trip begins. The last thing you want is to learn you have the wrong policy when it’s already too late!

At Higos, we’re highly experienced in finding bespoke, tailor-made business travel insurance policies for all types of business travel. Our team of experts will take their time to understand your unique requirements and provide you with the best policy to ensure you’re fully covered.

To speak with a chartered business travel insurance broker, why not get in touch? Whether your business is big or small, we’re here to help. For company travel insurance, it has to be Higos.

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Give us a call on 01458 270324 if you have any questions or click the 'request a callback' button.