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Our corporate business travel cover & benefits.
A clear, section-by-section guide to the Perrymount Business Travel policy, from medical and security protection to disruption, baggage and liability cover.
One policy. Twelve sections of cover.
Perrymount Business Travel brings medical, security, disruption and personal protection together under one corporate policy.
Sections 1–10 form the core Business Travel cover. Family members, Leisure Travel and Winter Sports can be added depending on the arrangement. The policy wording remains the definitive statement of cover.
Sections 1–10 form the standard Business Travel cover.
Immediate family members can be included as an option.
Optional Leisure Travel unlocks cover for 80+ amateur activities.
Available as an optional extension for an additional premium.
Business travel cover, section by section.
The limits below are headline limits and are shown per insured person unless stated otherwise. Some sections also have per-event or annual policy aggregates.
Open any section for more detail.
01 Personal Accident Up to £100,000 Standard
Accidental Death: £100,000
Permanent Total Disablement: £100,000
Loss of Limb(s) or Sight: £100,000
Policy-period aggregate: £1,000,000
Age range stated in the schedule: 16–66
02 Medical & Emergency Travel Expenses £10 million medical Standard
Medical Expenses: £10,000,000, including high-cost destinations such as the USA
Emergency Dental: £2,500
Funeral / Repatriation of Remains: £10,000
Business Travel claims excess: £50
03 Evacuation & Repatriation £10 million Standard
Medical Evacuation / Repatriation: £10,000,000
04 Political Evacuation £50,000 Standard
Political Evacuation: £50,000 per event
Policy-period aggregate: £50,000
Daily Expenses: £100 per day, up to 30 days
Political Evacuation is included as standard.
05 Kidnap, Ransom & Detention £250,000 crisis response Standard
Crisis Response / Consultant Costs: £250,000
Detention Benefit: £500 per day, up to £25,000
Policy-period aggregate: £250,000
This section covers specialist response consultants and a daily detention benefit. It does not pay ransom monies themselves.
06 Cancellation, Curtailment & Change of Itinerary Up to £10,000 Standard
Cancellation / Loss of Deposit: £10,000
Curtailment: £10,000
Replacement Personnel: within the cancellation limit
Annual aggregate: £50,000
07 Travel Delay & Disruption Delay, abandonment & missed connections Standard
Delay Benefit: £50 per 12 hours, up to £1,000
Abandonment: £10,000
Missed Departure / Connection: £1,500
Annual aggregate: £50,000
08 Personal Property & Business Equipment £10,000 baggage Standard
Personal Baggage: £10,000
Business Equipment: £3,000
Single Item Limit: £2,000
Baggage Delay / Emergency Purchases: £1,000
09 Money & Travel Documents Up to £1,000 Standard
Cash: £1,000
Passport / Travel Document Replacement: £1,000
10 Personal Liability & Legal Expenses £5 million liability Standard
Personal Liability: £5,000,000
Legal Expenses: £50,000
11 Leisure & Sports Activities 80+ amateur activities Optional
More than 80 amateur leisure and sports activities are covered at no additional premium where Leisure Travel is included.
12 Winter Sports Optional extension Optional
Owned Ski Equipment: £1,000
Hired Ski Equipment: £500
Ski Pack: £600
Piste Closure: £50 per day, up to £500
Avalanche Delay: £500
Winter Sports is an optional extension for an additional premium.
What excess applies?
The standard claims excess differs between Business Travel and Leisure Travel.
Excess per claim.
Excess per claim.
Age limits, clearly explained.
The supplied Business Travel schedule states that Personal Accident cover applies to insured persons aged 16–66.
All other sections cover insured persons up to age 70. Eligibility is assessed at the start of cover and remains subject to the policy wording.
Built for international workforces.
Perrymount Business Travel is designed for companies whose people don’t necessarily live or work in one country.
24/7 emergency assistance, wherever you go.
When something goes wrong abroad, help is available 24 hours a day, 365 days a year.
Our global emergency assistance service provides multilingual support for medical and security emergencies, helping your people get the assistance they need wherever they are travelling.
Need the full policy wording?
This page summarises the structure and headline limits of the Perrymount Business Travel policy. It does not replace the policy wording, which remains the definitive statement of cover, limits, conditions and exclusions.
Need the wording for procurement, due diligence or a placement? Ask our team and we’ll help.
Built for relationships that last.
We’re selective about who we work with because we want partnerships that make sense for everyone involved.
You’ll deal with people who know the product, respond quickly and treat your clients as their own. We’d rather build fewer, better, longer relationships than chase placements that aren’t the right fit.
Perrymount International is a trading style of Optimum Global Limited, authorised and regulated by the FCA to distribute insurance products.
Insurance is underwritten by Optimum Global Insurance Company Limited, regulated by the Guernsey Financial Services Commission.
OGICO's policies are reinsured at Lloyd's of London, adding further strength behind the cover we provide.
Non-emergency claims are handled in-house by our UK-based team, giving policyholders a clear and personal route to support.
Worldwide emergency assistance is available 24 hours a day, 365 days a year, with multilingual support for medical and security emergencies.
With offices in the UK, South Africa and Thailand, Perrymount supports clients and partners across international markets and time zones.
Looking to cover your people?
Tell us about your organisation, your travellers and where they go. We’ll prepare a corporate business travel quote around your actual team.
Corporate business travel cover: FAQs
Is this page the full Perrymount policy wording?
No. This page summarises the structure and headline benefits of the Business Travel policy. The policy wording remains the definitive statement of cover, limits, conditions and exclusions.
What medical cover does Perrymount Business Travel provide?
The headline Medical Expenses limit is £10 million per insured person, including high-cost destinations such as the USA. Medical evacuation and repatriation also has a headline limit of £10 million.
Are Kidnap & Ransom and Political Evacuation included as standard?
Yes. Both sections are included within the standard Business Travel cover. Kidnap & Ransom provides specialist crisis-response and detention benefits; it does not pay ransom monies themselves.
What cancellation cover is included?
The headline limit for Cancellation or Loss of Deposit is £10,000, with a £10,000 Curtailment limit and a £50,000 annual aggregate.
Does the policy cover business equipment?
Yes. The supplied benefit schedule includes up to £3,000 for business equipment, alongside up to £10,000 for personal baggage and a £2,000 single-item limit.
Can Leisure Travel be added?
Yes. Leisure Travel is optional and can include more than 80 amateur leisure and sports activities at no additional premium where Leisure Travel cover is included.
Is Winter Sports cover available?
Yes. Winter Sports is available as an optional extension for an additional premium. Benefits include ski equipment, ski pack, piste closure and avalanche delay cover.
What claims excess applies?
The supplied schedule states a £50 excess per Business Travel claim and a £100 excess per Leisure Travel claim.
4th Floor, 21 Perrymount Road,
Haywards Heath, West Sussex,
RH16 3TP, United Kingdom
+44 (0) 1444 473 405
info@perrymount.net
©2026, Perrymount International.
Perrymount International Limited is a trading style of Optimum Global Limited. Optimum Global Limited is authorised and regulated by the Financial Conduct Authority for insurance mediation activities. Optimum Global Limited’s Firm Reference Number is 453654. These details can be checked on the Financial Conduct Authority register or by calling the FCA on 0800 111 6768.