For business trips, a corporate insurance plan is necessary for those needing something more than standard cover whilst retaining the benefits of a standard travel insurance policy - cancellation, medical, luggage etc

Business travel cover will insure your laptop, mobile phone, palm & other related business equipment & include the hiring of replacement items. This also includes the recreation of business documents lost, damaged or stolen during travel.

3 Key Advantages of Business Travel Insurance

Corporate Travel Cover should add 3 key advantages to the plethora of benefits offered by a standard holiday insurance plan:

Business Equipment Cover
Hire Business Equipment Cover
Recreate Commercial Documents
That is the insurer should pay for accidental loss, theft or damage of equipment (Computer & accessories, other commercial related equipment and business documents).

The insurer should also pay you for the hiring of alternative business equipment in the event of accidental loss, theft or damage to business equipment, including misdirection or delay in transit of said equipment.

With regards to work related documents, the insurer should pay for the re-creation of business documents, plans & presentations if they are lost stolen or damaged.

Question: What if I am going on a combined holiday & work trip? Will a business insurance policy cover me?

Answer: It should. However if you travel regularly throughout the year, you may be interested in purchasing a multi trip insurance plan.

Business Travel Insurance vs Regular Travel Insurance

Remember, with work related travel, lots of wildcard scenario's can occur.

The other company can cancel the meeting at the last minute. This often leaves the travelling company to foot the bill, however this would be covered by standard trip cancellation.

Other incidents can befall a business traveler: general illness, business critical equipment can be stolen, lost or damaged. These factors are all things to consider when booking a business trip.

With regards to the value of your equipment, business trip insurance will provide far more cover than a regular travel insurance policy.

While a regular holiday insurance policy will provide coverage for lost, stolen or damaged luggage, this is not the same as the specific cover for business related equipment.

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Anyone that travels a lot should consider travel insurance, but those that travel for business often overlook the importance of this protection. Business travel insurance is simply a good idea because it can provide you with the protection that you need whether you are traveling just a short or long distance away from home. You never know when you are going to need the protection that insurance can provide, so you should look into business travel insurance before you go on your next trip.

The great thing about business travel insurance is that the individual can purchase it or a company can purchase it. Many companies are choosing to purchase the insurance for all of their employees that travel. This is a very economical way to buy the coverage as many companies can offer bulk buy discounts. This can be a particularly good idea for companies that host a lot of conferences, meetings, team building events, training courses, product launches, and the like. Many businesses offer corporate hospitality outings and the like, and even on these fun getaways employees should be protected and business travel insurance is a great way to get that protection.

If you happen to be an employee that travels to a lot of business oriented annual general meetings, exhibitions, seminars, or conventions and you aren't provided with business travel insurance you can buy it yourself. The coverage is not at all expensive, and you may even be able to purchase the coverage at the same time that you plan an event or plan your travel, which will make it convenient to purchase. When you purchase this protection you can go on your business travels and not worry about what would happen if you were robbed, if your luggage was lost, or if you needed medical attention in an area where your usual medical or dental insurance was not valid.

Many of us think about travel insurance when we are going on vacation or visiting exotic vacations, but this is not the only time when you need the protection that this type of insurance can provide. Business travel insurance is just as important as the insurance that you would buy when flying across the world for an exotic vacation or honeymoon because there is just as much opportunity for you to encounter health problems or circumstances that you just did not plan for. Why should you be any less equipped to handle these problems on a business trip than you would be when you are on vacation? When you leave home you should feel safe, secure, and confident in your abilities to handle any situation and with business travel insurance you can do this.

If you don't travel often or you only travel once a year you can opt to purchase your business travel insurance for just one trip. All you have to do is disclose when you will be travelling, where you will be going, and when you will be returning. This is generally very affordable and will offer you the protection that you should have on your one trip. If you travel all the time for work you can choose to buy your business travel insurance for the whole year. While this is more expensive in the beginning, it is cheaper over the course of the year than it would be to purchase the coverage every time you go away on travel. Many times there are also different levels of coverage to choose from, so you can choose from very basic coverage to very extensive coverage, based on your needs. When you purchase the travel business insurance you may want to consider the areas that you travel to as well as what sort of coverage your other insurance coverage may provide as this information will help you determine what sort of coverage you need.

It used to be more difficult to buy travel insurance, and that is why many people simply opted not to do it. In many cases you had to go right to an insurance agent and you had to fill out a ton of paperwork, or you could go to a travel agent and do the same thing. Now, you can purchase your business travel insurance right along with your other travel needs such as but not limited to your event planning services, your car rental services, lodging, transportation, and airfare. This is very convenient and allows for those that didn't want to bother with the coverage before because of the hassle to purchase the benefits of travel insurance. Next time you receive notice that you have to travel for your job, why not look into travel business insurance and see what protection it can offer you? It's better to have the protection and not need it than need it and not have it!

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So often in the past, I have spoken to people who had a home in foreclosure. They often made the statement "if I had only taken in a border."

This is definitely an option for people who can't afford their mortgage notes and have extra rooms or a basement at their homes.

The biggest dilemma about taking in a border is that no one wants to take in anyone who has children, since children are often destructive to properties. But for many, it's been a very big mistake!

Now due to this continuous failing economy and administration, it's time to be strategic and your number one goal should be to keep a roof over your head. If you have food on the table, and you are in fairly good health and have a roof over your head, then you need to count your blessings everyday.

Do you have an extra room or two or a basement that you could rent out? If you do, then you can be in the Bed and Breakfast (B&B) business.

In these times, in order to keep their heads above water, many families are building extra rooms on their homes to offer to paying family members or tenants. You can turn your home into a Bed and Breakfast business or restore a building that has the potential of being rental units. You might have to reside at the property, managing and maintaining the business and satisfying license requirements.

For people with rentals (condos, houses, etc.) that they can't sell, you can turn them into a Bed and Breakfast business for short term or long term lodging. Remember this is your B&B and you might just want to look into long term lodging options such as boarding for 30, 60, 90 days or even 6 months or longer. For short term lodging options, you will need to decide if you are going to accept one night stays on Friday and Saturday night or should you wait to try to get a 2 night booking for your rooms every weekend.

Remember the weekdays might be emptier than the weekends but you need to consider your market before adopting this sort of strategy. For example, if you're next to a wedding venue, you may need to be more flexible about one night stays as these guests tend to only want to come for one night.

When you first set up your B&B, you may want to test the waters and see what sort of guests you get before you make a decision about whether to exclude, for example, children. Running the B&B should not adversely affect your business if you except children under 12.

Can you or should you risk turning anyone away? Remember you can always put new terms and conditions in place. After all you are the boss!

If you're right next to the best children's theme park in the country, you will probably benefit from having a children friendly B&B.

It may actually improve your bookings if you have a 'no children policy' for many parents staying for a romantic break that have left their own kids at home. If people have gone to the effort of finding a babysitter for a childfree weekend, they will probably not want to be faced by someone else's 5 year old over breakfast.

Creating a home away from home which is often more beautiful than where they are traveling from will ensure many return customers.

Similar to tourists who choose to stay in traditional hotels, customers who patronize B&Bs seek out relaxation, fun and stress management while on vacation.

The B&B industry offers a unique lodging environment, which caters to an ever increasing group of travelers. They create a climate of home, where guests become temporary members of a larger family.

In a B&B, a guest is a guest in one's home, not a customer. It becomes a place to return to at the end of a day, or during the next vacation (like going home). This type of customer also prefers comfortable accommodations in a cozy, family environment. These patrons are more social, they love meeting new people while at the same time require enough privacy to enjoy their vacation.

Guests will have the right mix of membership and privacy. The goal is to be dutiful without being intrusive which can be a delicate balance and one that owners have mastered in their various walks of life.

A B&B opens itself to guests, allowing them to participate and share in the richness of a community, while still allowing whatever degree of privacy is preferred.

A variety of settings available in the B&B are situated to enable individuals or small groups to locate the perfect setting for whatever mood or activity one is pursuing (reading, watching television, playing board games, etc.).

You could eventually expand your services to the residents by offering adjourning rooms which open creating a large area, ideal for formal or informal gatherings (i.e. wedding receptions, office parties, Christmas parties, etc.).

You don't have to serve a huge breakfast. In fact, a bowl of cereal with coffee and some juice is acceptable. Meals can be shared with the innkeepers and other travelers allowing new relationships to be created and old ones enriched. Or, meals can be taken in the privacy of the guest's room.

Some other items you could offer your guests are a complimentary music CD for each room that the guest may keep (copy included in packet):
1) An extensive video and audio library for guest use,
2) CD stereo systems and VCRs in each room,
3) Starbucks coffee,
4) A variety of herbal teas,
5) Daily fresh-baked muffins and fresh fruit, and
6) Links to other businesses, attractions and services in the area.

If you are considering this idea, you should call your insurance company and ask them to review your policy. Should you beef up your liability coverage? Do tenants need to sign contracts for long term lodging? Should you hire a private investigator to run a background on your guests? Should you check credit references?

Remember you are going to be the one setting up the rules so first of all you have to make sure you are not breaking the law and, secondly, how the rules you set will affect your business.

You need to check into legislation to ensure you and your tourism business stay on the right side of the law. For example, you need to ensure that the rules you set do not break any discrimination laws by not allowing people on grounds of race, sex, sexual orientation or disability to stay at your B&B. And you also need to be careful that you aren't discriminating against people.

You also need to consider how the rules you set will affect your business. Some of the things you need to think about is will you be flexible allowing children, assistance dogs, one night stays, cooking evening meals, etc.

In order to be successful in a B&B, you can offer packages and special rates. You need to build a strong market position among the local patrons. With the right exposure, it is probably an untapped market of vacationers that can be enticed to your B&B.

B&B can sell its rooms directly to repeat customers, as well as via traditional travel agents and through the internet. Repeat customers will have the privilege of priority reservations during the high season. Subscriptions to various web services will provide international exposure to potential customers for annual fees.

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Just as your personal car or motorbike needs to be insured, vehicles used by your business are also subject to the same legal insurance requirements. But instead of arranging separate cover for each vehicle, you may typically be able to combine the policies under one heading and use your buying power to secure a good deal. This is why business car insurance could be a competitive way of covering your fleet.

There are a number of things to take into account when you are choosing a policy and a provider. It could be useful to have the following pieces of information to hand when you are getting quotes.

Mileage

How many miles do you and your employees travel per year? Generally speaking, but not always, the more miles you cover, the more expensive the policy will be. It's worth taking a moment to ensure that your estimate of annual mileage is correct, because if you make a claim based on information that subsequently turns out to be false, the insurer could claim that the policy is void.

What about foreign travel?

Your business car insurance policy might include foreign travel as standard, or it could be added as an optional extra. If neither you nor your employees travel abroad in the ordinary course of your business, you could consider leaving this out of the cover to drive down costs.

Who can drive the cars?

Some policies will cover anyone who is employed by you and who is using a company car or van with your permission. However, you may find that it is cheaper to have a regular pool of named people who drive the vehicles. That way you can provide specific information about whether their driving licenses are clean, and whether they have had any accidents.

What about breakdown cover?

Some insurers offer breakdown cover as an extra. This may be a convenient way of organising both types of insurance. However, it could be worth shopping around, as packages that include both may not be the most competitively priced. If you do obtain breakdown cover, ensure that the cars are serviced in accordance with the insurer's requirements to make sure that the cars are kept in the condition they expect.

Where are the cars left overnight?

Just as domestic insurers ask where the cars are kept, commercial insurers are equally as keen to know what happens to your company cars when they return to base. If you have a secure company car park, mention this when you are getting quotes for business car insurance, to ensure that you are getting the credit for reducing the risk of malicious damage and theft.

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