Corporate Travel Insurance Guide
Corporate Travel Insurance Guide — guidance and information from Ipswich Insurance Brokers, a Steadfast and CBN member broker.
What is corporate travel insurance?
Corporate travel insurance provides cover for employees travelling on business. Annual multi-trip policies cover all business travel within a year, typically up to a maximum trip duration. They simplify administration for businesses with frequent travellers and can be structured to include accompanying spouses and dependants where relevant.
What this cover may include
Cover availability and terms vary between insurers and depend on individual circumstances. Subject to acceptance, a policy may include:
- Overseas medical expenses and emergency evacuation for employees
- Trip cancellation and curtailment costs
- Luggage and business equipment in transit
- Personal liability while travelling
- Kidnap and ransom options (for travel to higher-risk destinations — where available)
Common exclusions to be aware of
The following are commonly excluded under standard policy wordings. Specific exclusions vary between insurers — always review the Product Disclosure Statement before purchasing.
- Personal travel not connected to business purpose
- Pre-existing conditions unless declared and accepted
- Travel against government advisories
- Employees working (not travelling) in another country
- Loss of business revenue arising from travel disruption
How to arrange corporate travel insurance through Ipswich Insurance Brokers
- Submit a quote request or contact us directly to discuss your requirements
- We collect relevant information and approach appropriate markets
- We compare policy terms and conditions across insurers and present options
- We arrange binding and issue documentation once you confirm instructions
As a Steadfast and CBN member broker, Ipswich Insurance Brokers has access to a broad panel of approved insurers. We act on your behalf — not on behalf of any insurer. Our remuneration is disclosed in our Financial Services Guide.
General guidance — not personal advice
The information on this page is general guidance only. It does not constitute personal advice and does not take into account your individual circumstances. Before arranging any insurance, you should consider your specific needs and read the relevant Product Disclosure Statement. Our Disclaimer applies to all content on this site.
Frequently asked questions
What is an annual multi-trip policy?
An annual multi-trip policy covers all business travel within a twelve-month period, up to a maximum duration per trip (commonly 30, 45 or 90 days). It simplifies administration for businesses with frequent travellers and is typically more efficient than arranging individual single-trip policies for each journey.
Are employees’ personal belongings covered on business trips?
Corporate travel policies typically cover business equipment and personal effects to a limited value. High-value personal items — laptops, cameras, valuables — may need to be separately declared. Some policies include an automatic laptop/equipment extension. We confirm coverage for specific items during placement.
What should businesses do when an employee needs emergency assistance overseas?
Most corporate travel policies include an emergency assistance service that operates 24 hours a day. Employees should have the emergency assistance number stored before travel. The assistance provider coordinates medical care, evacuation where necessary and communication with the business. We provide policy documentation and assistance contact details as part of the placement process.
What to look for when comparing corporate travel insurance policies
When reviewing options, the following points are worth considering. This is general guidance — the right approach depends on your specific situation.
Review the maximum trip duration under the annual policy — ensure it covers your longest expected business trips. Confirm employee eligibility — whether cover extends to contract workers, consultants or accompanying family members. Check business equipment cover — laptops, presentation equipment and client materials may need specific declaration. Review the emergency assistance provider and ensure all travelling employees have access to the 24-hour assistance number. Consider whether higher limits are appropriate for travel to high-cost medical destinations.
For more detailed information, see our Corporate Travel Insurance page.
About Ipswich Insurance Brokers
Ipswich Insurance Brokers is a Steadfast and CBN member broker operating under an Australian Financial Services Licence. We act on your behalf — not on behalf of any insurer. We compare options across a broad panel of approved insurers, arrange cover, provide documentation and support claims. We are remunerated by commission from the insurer, disclosed in our Financial Services Guide. All information on this page is general guidance only — see our Disclaimer. Contact us on 07 3503 1404 to review your corporate travel program.
Corporate travel programs should be reviewed annually alongside other business insurance — employee travel patterns, destinations and the value of equipment carried by travellers change over time. An annual review ensures the policy terms and limits remain appropriate. Contact us to discuss your corporate travel requirements alongside your broader business insurance program.