Business trips are not generally known to be hazardous. Well, it really depends of what type of business you’re into. But sometimes, the unthinkable does happen. This is business travel insurance quote where Business travel accident insurance comes in.

Benefits you may not have known about.

Business travel accident insurance coverage, depending on the policy, may pay a benefit of up to four times your pay, up to $500,000, to you or your beneficiary in case of accidental death, dismemberment, paralysis or total and permanent disability while you are traveling on official company business any around the globe.

Those who are higher up the ladder usually get to bring their family along on business trips. If your spouse and/or eligible dependent children are permitted to travel with you, they will also be covered for accidental death, dismemberment and paralysis. Coverage is provided around the clock during a “business trip” beginning when you leave your home or place of business and will only cease once you return to your home or place of business. Coverage is also provided while you are on a side trip or vacation that is taken in conjunction with a business trip. In addition, coverage is also extended at your regular place of work for covered losses resulting from Bomb Scares or Bomb Explosions or a Felonious Assault caused by other than a fellow employee or family member.

A bonus.

Business travel accident insurance benefits are paid in addition to any other life and accident insurance benefits you are eligible to receive. In other words, you are entitled to a double payout in case anything untoward happens. Money cannot replace everything, but it can cushion the blow.

A word of caution.

Business travel accident insurance does not cover commuting to or from work. But your other insurance should cover that. Be sure to check your policy to see what you are covered for. It is also important to have a closer look at the clauses.