As Australia and other countries come out of lockdown as a result of COVID-19 and look to start reopening their borders, many companies are reviewing and contemplating when—and how—their employees will be able to start travelling again for business in a safe manner.
Business travel can present risk and uncertainty at the best of times, and employee health has always been a concern for both businesses and travellers —along with the potential dangers posed by civil and political unrest, natural disasters, and crime. Now, more than ever , health has become one of the primary concerns and it’s more important than ever for companies that have employees travelling to ensure their safety and wellbeing.
There are four key steps for companies to consider to protect employees when travelling.
1. Review Company Business Travel Rules
Market research by KPMG and Flight Centre show that businesses are being more strategic with flexible working arrangements and looking to find safe business travel solutions to support their staff when travelling for business.
With the new risks faced when travelling for business many companies are reviewing their internal policies and best practices whilst supporting their employees to understand such policies and practices before they make any trips on the company’s behalf.
Some considerations to review before you depart on a business trip are:
2. Closely Monitor Destination Travel Advisories and Travel Partners
From local pandemic spread indicators and variations in mandatory quarantine practices to fluctuating international government regulations, today’s business travel parameters are complex and quickly changing. They require close monitoring and a nimble response.
While planning a trip, obtain the latest location-specific pandemic travel advisory guidance and visit the Australian Smart Traveller website not only for information about COVID-19 outbreaks but also for other issues (such as terrorism) that may be affecting the destination country.
Chubb provides its business travel policyholders with complimentary access to the following portals:
Before booking transportation or lodging, make sure their respective cleaning protocols are optimal and that the vehicles or buildings have experienced no recent outbreaks of COVID-19.
3. Prepare Employees to be Flexible and Patient
A spike in destination cases, an aeroplane suddenly grounded for emergency cleaning — even a brief exposure to a COVID-19 positive patient — can lead to a trip being cancelled or having to quarantine in a foreign country or Australian State. These situations not only affect travelling employees, they also require that travel resources be available 24/7.
Prepare employees for more than the usual delays, inconvenience and frustration. The Australian Competition and Consumer Commission and Smart Traveller both provide useful advice and tips if your staff’s business trip is affected while they are travelling.
Travel assistance services and apps, such as Chubb Travel Smart, can also be a useful resource for employees travelling interstate and abroad for business, providing destination-specific advice and security alerts.
4. Make Sure Your Business Travel Insurance Covers the Current Landscape
Given the evolving exposures to employee health and safety caused by the pandemic, your current business travel policy may contain gaps in optimal coverage. You should also consider guarding against the pandemic’s effect on “typical” risks — for example, pandemic-induced financial hardship may increase the incidence of petty theft or stolen luggage.
Chubb understands that businesses need to take more time to plan and strategise business travel in the current environment, that is why Chubb:
As the vaccine rollout continues across Australia and COVID-19 community transmission is managed, it is time to get on the front foot so your business is ready for when business travel resumes. For further information on Chubb’s business travel position on COVID-19 please refer to our online notice.
To find out more and to inquire about a free quote please contact your local Chubb A&H underwriter.
This content is brought to you by Chubb Insurance Australia Limited (“Chubb”) as a convenience to readers and is not intended to constitute advice (professional or otherwise) or recommendations upon which a reader may rely. Any references to insurance cover are general in nature only and may not suit your particular circumstances. Chubb does not take into account your personal objectives, financial situation or needs and any insurance cover referred to is subject to the terms, conditions and exclusions set out in the relevant policy wording. Please obtain and read carefully the relevant insurance policy before deciding to acquire any insurance product. A policy wording can be obtained at www.chubb.com/au, through your broker or by contacting any of the Chubb offices. Chubb makes no warranty or guarantee about the accuracy, completeness, or adequacy of the content. Readers relying on any content do so at their own risk. It is the responsibility of the reader to evaluate the quality and accuracy of the content. Reference in this content (if any) to any specific commercial product, process, or service, and links from this content to other third party websites, do not constitute or imply an endorsement or recommendation by Chubb and shall not be used for advertising or service/product endorsement purposes. ©2021 Chubb Insurance Australia Limited ABN: 23 001 642 020 AFSL: 239687. Chubb®, its logos, and Chubb.Insured.SM are protected trademarks of Chubb. Published 04/2021.
We keep you informed – and your business protected – with these helpful articles.