Business travellers – whether corporate or professional – face an increasingly broad and complex range of threats. These may not always be restricted to areas commonly regarded as problem areas. Directors and officers of an enterprise have a responsibility for prevention and mitigation of risk to their personnel deployed on international assignments. Many organisations maybe operating without fully understanding the obligations that surround “Duty of Care” to their personnel.
There are exclusion clauses and limitations in standard travel insurance policies that will not always provide the indemnity response you expect unless crisis response issues have been addressed and implemented. Like it or not, it is prudent to consider “crisis solution” risks – this is the term that spans risks such as: