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Comprehensive coverage while travelling on business at home and abroad.

Your business clients are solely responsible for the safety of employees travelling on business. According to established case law, an employer's duty of care encompasses safeguarding employees, especially when travelling on business and therefore outside the employer's sphere of influence, against loss of life and limb and against financial loss. For this, you need targeted business solutions, which guarantee all-round safety. With this in mind, our business travel insurance solution 'Business Class' offers a modern, up-to-date carefree package for protecting against the risks of business travel.

Flexible. Individual. Comprehensive.

Our 'Business Class' business travel insurance consists of a comprehensive package:

  • Business Travel Accident Insurance with freely selectable insured amounts for accidental death, permanent disability and daily hospital benefit, protection outside the working time
  • Multilingual world-wide 24/7 Assistance Services
  • Business Travel Health Insurance: medical treatment costs and patient transport
  • Baggage Insurance for private/business luggage
  • Trip Cancellation/Interruption Insurance
  • Personal Liability Insurance

Recommended additional modules:

  • Risk Prevention and Crisis Management: Security Hotline and evacuation in case of political crises or natural disasters
  • Kidnap and Ransom cover (only in conjunction with Risk Prevention and Crisis Management): salary of kidnapped employee and special crisis management (Assistance)


  • 24/7 Service Helpline for employees in case of emergency – accessible worldwide, 365 days a year
  • Travel Smart as integral part of 'Business Class': online solution to help employers better fulfil their duty of care obligations, includes three tools:
    • Innovative Smartphone-App for direct access to medical and securitry assistance, including live location-based alerts
    • Modern pre-travel risk training with short video modules and competency tests for travelling employees
    • Comprehensive Online-Dashboard for risk and HR managers including tools for localization of and sending direct messages to employees

Further Details

The premium of the Business Class travel insurance will be calculated based on risk. The costs depend on the level of insurance cover, number of days travelled, number of persons travelling and on the destinations (Germany, EU or worldwide).

The Advantages for You

  • Modern carefree package for business travel risks
  • Single-source insurance solution
  • Compliance-oriented implementation of multinational insurance solutions
  • Unique web-based platform Worldview providing comprehensive overview of the multinational insurance program
  • Important contribution to fulfil Your employer's duty of care obligations
  • Employee loyalty and improved image
  • Market-leading online claims portal with priority processing of the claim by experienced team of Chubb experts

Video about Travel Smart

To learn more about Travel Smart, please watch our short movie.

Supplemental Product

Employers generally purchase Group Accident Insurance for their employees. We offer comprehensive coverage for the protection of valuable members of staff in their occupational and personal life.

Group Accident Insurance>


The purpose of this information is to provide a first overview of the possible insurance cover included in the Business Travel Insurance policy. For the full and legally binding terms and conditions, please refer to your policy documentation.