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Travel & Personal Accident Insurance

Every business should protect its most valuable asset: its people. And that protection must cover them when they take business trips abroad.

What if?

  • Your commercial director falls ill abroad, just days before he was due to sign a major new contract to supply your company’s product? - How do you take care of your valuable employee and still secure the contract?
  • Someone is injured on a work trip in the US, and incurs massive medical bills?
  • A journey has to be cancelled or curtailed unexpectedly - and you're left with unrecoverable expenses?
  • Someone's taken ill and has to be repatriated?

Five reasons why you shouldn't be without Business Travel and Personal Accident Cover:  

  1. Expansion: with international expansion comes more overseas travel by staff. It’s essential to carry insurance against travel contingencies – lost baggage, cancellation, illness & accident.
  2. Instant support & rapid settlement: with access to 24/7 assistance services in case of emergency, including dedicated apps, your staff can access policy benefits instantly from anywhere in the world.
  3. Recruiting the best staff: you can ‘ramp up’ cover for your senior staff, differentiating your benefits package and helping you to attract and retain the best talent.
  4. Business as usual: with Personal Accident lump sum payments made directly to the business,you can use the money as you wish – recruitment, an interim replacement or changes to the workplace to accommodate a disabled employee.
  5. Terrific Value: La Playa’s comprehensive, group policies start from as little as £350 per annum*.

* insurance premium tax in addition.

If something does go wrong abroad, you want your claim to be paid in full and without fuss. Read our tips on how to get your travel insurance claim paid to find out what you can do.

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CASE STUDY

A director travelled to Malaysia on business. While he was there, an explosion occurred at his accommodation; this resulted in him suffering 48% burns to his head, face, arms and back. Due to the severity of his injuries two family members were flown out to be with the claimant. Following his admission to hospital the claimant passed away due to the injuries suffered from the accident. His insurance was for Personal Accident and Business Travel, and a claim was paid for the appropriate benefits under the Personal Accident policy, plus costs incurred under the Medical section, including the travel, sustenance and accommodation expenses of the two relatives. Additionally, the Personal Effects that were destroyed in the explosion were also paid for.

Total claim: £580,000

An employee for a passenger shipping company was rendered paraplegic after a horrific car accident. Contact was made with his consultant to determine if the condition was permanent. As soon as this was established, the claim was settled for the permanent total disablement benefit, payable under the policy.

Total claim: £195,000

An employee travelled to Spain; whilst walking out one evening she was run over and tragically, she passed away. Due to the circumstances of the incident her parents travelled out to Spain. Her Personal Accident insurance paid out full benefits, and the travel, sustenance and accommodation expenses of her parents. Under the Business Travel section of the policy this also provided cover for Legal Expenses to pursue a claim against a third party who had caused bodily injury. This was pursued and was successful in claiming damages from the responsible third party.

Total claim: £83,000

An employee of a large bank was injured in the 7/7 bombings in London. She suffered permanent partial injuries, but the precise nature of such injuries would normally take some time to establish. In order to provide a quick resolution, the nature of her injuries were determined as soon as possible in liaison with the consultants and the Insurer was able to make an earlier offer to help her move on with her life.

Total claim: £75,000

*Claims provided by Chubb Insurance

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Testimonials

What Our Clients Say

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Insurance brokers who understand and work with technology companies are a rare breed, to be highly recommended.

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The service we get from La Playa is faultless. You are a pleasure to work with.

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Thanks for all of your help with this, you've been incredibly helpful!

Paul H.

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I like that you can put together a small package suitable for us as a startup and that this can easily be adapted as our needs develop without breaking the bank on the way

Mark K

CEO, Tech Start-Up

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For smart technology insurance, you don't get much smarter.

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An innovative leader in providing insurance solutions to technology businesses.

Michael B

Venture Capitalist

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We thought that we had exhausted all options for our type of business. La Playa completely understood the field we operated in and provided us with new options - and then shopped around for us to get a better price.

Sue L

Life Sciences

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[La Playa] provided world-class expertise and professional service. [They are] experts in insurance and risk management for the technology sector and managed to provide superior product and service whilst reducing cost.

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These guys are the only insurance people I will tolerate speaking to these days, as they are actual humans (with both a brain and a heart!) and offer very good packages too - they answer calls and emails promptly and when I had an issue recently with my bank were very helpful to get it fixed.

George

La Playa business client

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We've been putting off our insurance needs for far too long, and I feel we are now in safe hands.

Martyn H

Redd & Whyte

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I always appreciate how quickly [you] respond to all our questions.

Vicky E.

Linguamatics

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Thanks as always for your extraordinarily quick response and great customer service.

David K.

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As always we come away thinking how lucky we are to have found La Playa and the people we deal with there - bet there's not many that can say that about their insurance company!

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Company Secretary, ICT

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ICT

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Programme Manager, Centre for Entrepreneurial Learning (CfEL)

Specialist & Independent

La Playa's specialist Science & Tech team can help you protect your business with smart, flexible, high-performance insurance - with a friendly human UI. We understand the risks and pressures you face - and we speak your language. We’ll support you with great advice - helping you make good decisions for your business.

As a Lloyd's broker, La Playa has solutions for even the most complex risks, and our services also include Business Protection and Employee Benefits. But what does "Boutique Service" actually look like?

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1

Careful listening to really understand your needs and priorities


2

As much help as you need with completing forms to provide risk information


3

A discreet and complimentary appraisal* to assess the risks and ensure you have the right coverage where you need it


4

An independent market review - so you don’t have to shop around comparing policies, cover limits, risks covered and smallprint exclusions


5

Careful monitoring of the carriers’ financial strength, claims and customer service


6

An independent recommendation of the best policy for you - and why


7

Specialist policy wordings from underwriters who have demonstrated excellence and deep understanding of your risk exposures. We have analyzed a wide range of policy wordings and have selected only the best for our panel. Our advisors have a deep working knowledge of these policies
*subject to insurer availability


8

An intelligently designed portfolio of protection across multiple asset classes, liabilities and territories


9

Advice on how best to manage your risks - to keep you safe but also to keep insurance costs down


10

A dedicated advisor so you can speak to the same person each time.


11

Expert guidance on valuations, security and risk management, and connecting you with specialist advisors and suppliers


12

Direct phone and email access to your advisor for questions and advice.


13

Policy documents emailed to you - no logins and passwords to remember


14

An advocate beside you if you make a claim - thinking laterally to mitigate the impact, making useful connections to get you back up and running, and driving through a swift financial settlement


...and more. La Playa’s Personal Risk Concierge promises only the best,
ensuring that every client we work with is given utmost priority.
No call centres, hold music, hidden fees. with La Playa, you are our most important client.

Advice You Can Trust

…from an expert who understands you

  • Specialist insurance for science and technology
  • Independent professional advice
  • Relationship-based service: right beside you when you make a claim
  • “Can do” culture
  • Seamless insurance across US and UK
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Tech-based business is 24/7, global and borderless, always exposing you to new risks and liabilities - often in unfamiliar places. As the law struggles to keep pace with technology, insurance can provide a real safety net if you fall foul of changing legislation.

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