Improved cover for business travellers

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Improved cover for business travellers

By on Jun 7, 2016 in P J Hayman Update |

business traveller

Dear Supporting Broker,

We are pleased to provide details of our Business policy – an Annual Multi-trip travel insurance for the business traveller offering wide and flexible cover.

Renewal changes which are effective from 1st June 2016

Following a review of similar products in the market, we are pleased to confirm the following enhancements to the Business product:

  • NEW FOR 2016Free Leisure Cover for Directors & Principals and their families. Company staff can also purchase Leisure Cover for an additional premium
  • Business Trips – the duration has been increased from 60 days to 90 days, with an option to increase to 120 days for an additional premium
  • Leisure Trips – the duration has been increased from 31 days to 45 days
  • Legal Expenses – cover has been increased from £25K to £50K
  • Heavy manual work – work above 9 metres and use of heavy machinery can now be considered on referral


We are pleased to advise that there are no changes to the rating and premiums have been held.

Age limits

Please note that age limits are now capped at 65 years of age for all travellers.

Below are the links to the new documents:


Cover Provided

Business is an Annual Multi-trip travel insurance policy covering business travel for individuals or for companies. In addition to high levels of cover, the policy also includes other essentials such as business equipment/samples, staff replacement, cost of a replacement trip, loss of frequent flyer points and even “bumped” flights – see the Insurance Policy for further details.

Residency Changes

We are no longer able to offer cover to residents of the EEA.
‘Home’ now means ‘Your normal place of residence in the UK, the Channel Islands or the Isle of Man’.

Key Features

Medical and Emergency Expenses up to £10,000,000
Cancellation, Loss of Deposit or Curtailment up to £10,000*
Personal Accident up to £50,000
Business Equipment /Samples up to £5,000 (single item limit £2,000)
Personal Possessions up to £2,500 (single item limit £500; valuables limit £500)
Staff Replacement Costs up to £10,000
Re-arranged Trip Costs up to £2,500
Loss of Frequent Flyer Points up to £1,500
Bumped Flight up to £200
Unexpected early return to place of business up to £1,000
Kidnap and Hijack cover up to £25,000
Personal Liability cover up to £2,000,000
Legal Expenses up to £50,000

Leisure Option

Leisure only trips up to 45 days duration can be included by paying an additional premium – your family will be automatically covered.

*A limit of up to £2,500 per person applies to Cancellation, Curtailment or Abandonment cover for Leisure only trips.

We are here to help

For assistance with your client’s travel insurance requirements, please contact the Broker Development Team on 02392 419 050 or send us a message – we’ll be delighted to help.

Thank you for your continued support.

Yours faithfully


Jon Mainwaring
Broker Development Manager
P J Hayman & Co Ltd

Tel: 02392 419 051
Fax: 02392 419 049

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