For many small to medium-sized enterprises (SMEs) in the UK, international business travel is a vital part of growth — whether it's meeting clients overseas, attending trade shows, or exploring new markets. But while travel may open doors, it also introduces risks that can have serious financial and operational consequences if not managed properly. That’s where business travel protection becomes not just useful, but essential.

Underestimating the Unexpected

Unlike large corporations with large budgets and potentially in-house risk management teams, SMEs can be particularly vulnerable when things go wrong abroad. A single delayed flight, lost laptop, or medical emergency can derail an important business trip, potentially costing the business thousands in cost and maybe even more in lost revenue due to missing the opportunity.

Consider the potential impact:

• Trip cancellations could result in non-refundable flights and hotel bookings.
• Medical treatment abroad, even for minor incidents, can come with a hefty bill.
• Lost documents or equipment could jeopardise a meeting or client presentation.

Having business trip travel insurance in place helps to mitigate these kinds of setbacks. It offers SMEs peace of mind that if the unexpected happens, they won’t be left bearing the full financial burden.

Why General Travel Cover Isn’t Enough

Some businesses assume a standard leisure travel policy is sufficient. However, these often exclude work-related incidents or may not provide the right level of support for things like loss of business equipment or replacing an essential colleague mid-trip.

Remember if staff are travelling for business, even as an SME, there is still a legal duty of care while they are abroad.

A purpose-built business travel insurance cover accounts for the specific needs of work travel. It can include access to emergency assistance, cover for business equipment, and even replacement personnel cover if an employee can't complete the trip due to illness or injury.

Risk Management = Business Resilience

In today’s climate of uncertainty — from unpredictable weather to rising geopolitical tensions — ensuring your team is protected while travelling is simply smart business. Whether it’s infrequent trips or regular overseas travel, having a specific business trip travel insurance policy in place protects both your people and your bottom line. SMEs may not be able to predict what will go wrong on a business trip, but with the right business travel protection for their needs, they can ensure that one incident doesn't disrupt their growth plans and ensures they meet their legal duty of care requirements to their staff.

If you would like to get a VoyagerProtect multi trip travel insurance quote to cover your employees on work trips, either for manual or non-manual work, please get in contact with as by either completing the online application form,

Request a Quote

Or by phoning VoyagerProtect Business Travel Insurance on +44 (0)1483 806 822 or commercial@voyagerins.com