Personal Accident and Business Travel Insurance

Personal Accident and Business Travel Insurance from Sona Insurance protects your team in the event of injury, illness, or death – whether they’re in the workplace or travelling for business. From managing directors and key individuals to field staff and overseas contractors, this cover provides vital support when the unexpected happens.

What is Personal Accident and Business Travel Insurance?

This type of insurance typically combines two core areas:

Personal Accident Insurance: pays a lump sum or weekly benefit if an employee is injured, disabled, or killed due to an accident at work or elsewhere.
Business Travel Insurance: covers medical expenses, cancellations, lost baggage, and emergency situations when employees are travelling for business, either in the UK or internationally.

Together, they help protect your people — and your business — from the personal and commercial impact of serious accidents or travel-related risks.

Why standard policies fall short

Many businesses assume their employees are already covered by general liability, healthcare, or travel insurance — but these policies often leave serious gaps.

Common shortfalls include:

No cover for non-workplace accidents: if an incident happens off-site or during non-core hours
Limited or no medical cover overseas: including repatriation or emergency surgery
No income protection: for absent or injured employees
No cover for business equipment or trip cancellations
No support for hybrid or blended work travel: which many insurers exclude

Without dedicated accident and travel insurance, your business could face unexpected costs, delays, and legal exposure — just when your people need you most.

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How Sona Insurance supports your team

At Sona Insurance, we take time to understand your people, roles, and risk profile — from directors and key workers to regular business travellers. We build a policy that reflects how your business actually operates, helping you meet duty of care, improve staff protection, and minimise disruption from unexpected events.

What’s typically covered?

A tailored Personal Accident and Business Travel Insurance policy from Sona Insurance can include:

Lump sum payments for accidental death or permanent disability
Weekly benefits for temporary disability or loss of income
Emergency medical treatment abroad
Repatriation, evacuation, and crisis assistance
Travel delay, cancellation, and baggage loss
Business equipment and document cover
Optional leisure travel cover for directors and staff

Cover can apply to individuals or groups, with flexible benefit levels and limits to suit your business.

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Why choose Sona Insurance?

Tailored accident and travel insurance for UK businesses
Combined cover for personal injury and business travel risks
Support for UK and international business operations
Real broker advice: clear, helpful and fully independent
Trusted insurer network: offering flexible options and fair pricing
Responsive support at claim time: we’re with you when it counts

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Protect your people — wherever work takes them

We don’t believe in one-size-fits-all quotes. Speaking to Sona Insurance means you get expert advice, tailored protection, and personal support — not just a price on a screen.

Call us today on 01206 694904 to discuss your personal accident and business travel insurance needs.

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