Why Business Travel Insurance?
A Business Travel Insurance (Business Travel Insurance) protects you and your employees during business trips abroad. Unlike private travel insurance, it provides coverage for: work-related risks such as theft of a laptop, medical costs and cancellation of a business trip.
NB: Most private travel insurance policies cover business trips not. You need separate business travel insurance if you travel abroad for work. This applies to companies, self-employed people, foundations and associations.
Choose from one collective insurance for all your employees or one individual insurance for yourself as an entrepreneur. The premium is calculated based on the number of travel days per year.
Who is Business Travel Insurance for?
SMEs & Corporates
Companies with employees who regularly travel abroad
Self-employed & Freelancers
Self-employed people who work for clients internationally
Nonprofit & Foundations
Organizations with directors or employees on foreign missions
Collective or Individual?
Collective Travel Insurance
From €1 per travel dayAll employees insured under one policy. Ideal for companies with multiple business travelers.
- ✓ All employees insured
- ✓ Volume discount for many travel days
- ✓ No registration required per trip
- ✓ One clear policy
- ✓ Premium per travel day
- ✓ Up to 180 consecutive days
Individual Travel Insurance
From €5 per monthPersonal insurance for self-employed people or employees who occasionally go on business trips.
- ✓ One person insured
- ✓ Ongoing or short-term
- ✓ World coverage as standard
- ✓ Insure private travel
- ✓ Flexibly adaptable
- ✓ Ideal for self-employed people
💡 When Collective, When Individual?
- → Collective: Several employees regularly travel for business
- → Individual: Self-employed, freelancer or occasional business traveler
- → Short-term: Only one or a few business trips per year
- → Continuous: Regularly travel abroad for work
What is insured on a business trip?
Choose the modules that suit your business travel:
Medical Expenses
Hospital, emergency room, medicine. Reimburses what your health insurance does not cover.
Laptop & equipment
Theft, loss, damage to laptop, tablet, smartphone and camera.
Luggage & Money
Business luggage, samples, documents and cash.
Cancellation
Trip cancelled? Travel, accommodation and possible replacement costs will be reimbursed.
Car breakdown assistance
Assistance in the event of a breakdown or accident with a car, motorcycle or rental car abroad.
Molest & Crisis
Coverage in the event of uprisings, civil wars or evacuation from conflict areas.
💻 Laptop & Business Equipment Insured
Business travel insurance provides comprehensive coverage for your business equipment:
- ✓ Laptop: Theft, loss and damage to your business laptop
- ✓ Tablet & Smartphone: Mobile equipment also insured
- ✓ Camera & Photo equipment: For photographers and videographers
- ✓ Samples & Documents: Business materials covered
- ⚠️ Condition: You must prove that you have been careful
💡 NB: Don't leave your laptop unattended. In the event of theft from an unattended hotel room, the insurer often does not pay out.
💰 Premium indication Business Travel Insurance
Collective (per travel day) and individual (per month):
| Type | Coverage | Premium |
|---|---|---|
| Collective basis | Assistance + medical | From €1/day |
| Collectively expanded | + luggage + cancellation | €1.50-€3/day |
| Collective premium | All coverage | €3-€5/day |
| Individually self-employed | Continuous world | €5-€15/month |
| Short-term | Per trip | From €10/trip |
* Graduated discount for more travel days. Prices excl. insurance tax.
⚠️ Private Travel Insurance Does Not Cover Business Travel!
Most private travel insurance policies include: business trips excluded. You are then not insured for damage that occurs during work-related travel. Consider:
- ✗ Theft of laptop with important customer data
- ✗ Hospital admission during conference abroad
- ✗ Cancellation of a business trip due to illness
- ✗ Damage to samples or business documents
Solution: Take out separate business travel insurance or check whether your private insurance offers a business extension.
🏥 Medical Costs Abroad
Your Dutch health insurance only reimburses medical costs abroad Dutch rate. In many countries, healthcare costs are much higher, especially in private clinics.
- → Private clinic: In Austria, Switzerland and the US, costs are often much higher
- → Deductible: Often insured with business travel insurance
- → Dentist: Emergency dentistry up to maximum amount
- → Repatriation: Transport back to the Netherlands in case of serious illness
📞 24/7 SOS Emergency Center
Immediate assistance in an emergency, wherever you are in the world:
🌍 29 Countries
Own emergency centers worldwide for local assistance
🇳🇱 Dutch
Professional help in your own language
🏥 Best Care
Hire the best doctors and hospitals
📱 HelpMe App
Direct Contact via smartphone app
🔧 Activities & Increased Risk
The premium depends on the type of work you perform:
- ✓ Covered as standard: Commercial, administrative, supervisory work
- ⚠️ Surcharge possible: Construction, industry, technical work, machines
- ✗ Often excluded: Dangerous sports, competitions, extreme activities
Tip: Report your work correctly. If the information is incorrect, the insurer may refuse to pay out.
👤 Business Travel Insurance For Self-Employed People
As a self-employed person or freelancer you are not automatically insured for business trips. Business travel insurance is recommended if you:
- ✓ Regularly travels abroad for clients
- ✓ Bring expensive equipment (laptop, camera, instruments)
- ✓ Works as a digital nomad or goes on workation
- ✓ Clients require that you be insured
Tax: The premium for business insurance is not deductible, but travel and accommodation expenses are.
Business Travel Insurers
We compare the best business travel insurers:
💡 Tips for Business Travel
- ✓ Check your private insurance: Business travel is often excluded
- ✓ Specify activities correctly: No payment if incorrect declaration is made
- ✓ Keep your laptop safe: Do not leave unattended in hotel
- ✓ Collectively cheaper: Volume discount for many travel days
- ✓ Insure private travel: Sometimes cheaper than a separate policy
- ✓ Download HelpMe App: Direct contact with emergency center
- ✓ Save receipts: For business equipment claim
- ✓ Check travel advice: Insure conflict areas separately
📊 Business vs. Private
| Coverage | commercial | Private |
|---|---|---|
| Business trips covered | ✓ Yes | ✗ Often not |
| Laptop & equipment | ✓ Extensive | ✗ Limited |
| Send a replacement | ✓ Possible | ✗ No |
| Business documents | ✓ Covered | ✗ Not |
| Medical Expenses | ✓ Yes | ✓ Yes |
| Luggage | ✓ Business | ✓ Private |
| Molest/crisis | ✓ Optional | ✗ Rarely |
| Private travel | ✓ Optional | ✓ Standard |
