Are your employees protected while traveling abroad on business


Leighton Chenery TV-Bay Magazine
Read ezine online
by Leighton Chenery
Issue 110 - February 2016

Are your employees protected while traveling abroad on business?

In a climate of growing global volatility it's no secret that travel risks have increased as we've seen with sad frequency in recent years. When things go wrong in a foreign country they can go very wrong and it can expose employers to major legal, reputational and business continuity risks.

Protecting your employees

Corporate travel insurance was born of a desire by firms to be in control of their employees' safety overseas and an understanding of the implications of modern Duty of Care laws. In such unfamiliar or foreign environments, business travellers may encounter threats to their health, safety and security, outbreaks of civil unrest, terrorism and natural disasters. With these risks in mind it is even more important for employers to take action to protect their people. In law, an employer is bound to take reasonable care for the safety of its employees. This duty extends to providing a safe system of working, including when an employee is travelling or is away from home in the course of his or her employment. An employer who fails to discharge this duty of care may be exposed to a claim of negligence from an employee who is injured or harmed in the course of their employment. As part of this duty of care, employers need to make suitable and sufficient risk assessments for their employees, particularly when asking them to travel overseas on business. Organisations need to demonstrate they have taken all practicable steps to meet their employees' health, safety and wellbeing needs, whether the business travel is in the UK or overseas. Under the Management of Health & Safety at Work Regulations (1999), for example, employers have a duty to make suitable and sufficient risk assessments for all activities including overseas travel prior to commencing the trip.

Training and awareness

A growing number of organisations are choosing to invest in a traveller safety programme to help highlight many of the risks and hazards associated with overseas business travel. This type of programme can provide information directly to employees and encourage an attitude of self-awareness in individuals. Such programmes can also offer assistance in planning ahead and managing potential complications, give tips about staying safe in a new and different environment and help employees feel more confident about taking responsibility for their own safety whilst travelling.

Right protection

Of course, no amount of pre-trip planning will be effective if employees don't have the right type of business travel insurance to assist them while they are away. A business travel policy in contrast to a leisure travel policy is specifically designed to help organisations provide appropriate and effective support and protection to employees if there is an emergency, incident or crisis while they are travelling on business. For employees working in global hotspots, a business travel policy would provide valuable information and support by advising on personal safety and managing repatriation or other travel arrangements, should they be required.

One important consideration that must be taken into account when taking out a policy is the cover offered in the event of an act of Terrorism. Many standard Travel policies will include a blanket Terrorism exclusion as well as not offering cover should you travel anywhere that the Foreign & Commonwealth Office advises against. Some policies do provide an element of cover typically limited to medical expenses occurring as a consequence of a terrorist incident if you were caught up in something unexpected. Some may provide additional expenses cover in the event of the FCO changing its advice about a destination mid-trip. But where does this leave you if you have large amounts of kit damaged, destroyed or confiscated?

You need to consider the potential impact of differing circumstances and have complete transparency with regard to the cover in place for each. For example, equipment being confiscated by the Government of a territory you're operating in would fall under a Political Risk policy, whilst the consequences of a Terrorist event would be covered by a Terrorism policy.

As the world grows smaller and international trade, commerce and travel continues to increase so do the business risks that companies are exposed to for both people and assets.

Sutton Winson is a specialist Insurance Broker in the Broadcast & Media industry and is able to help you manage your business risks. To discuss your insurance requirements, please contact Leighton Chenery on leighton.chenery@swib.co.uk, call 07976 327 407 or visit www.suttonwinson.com


Tags: iss110 | insurance | employee | travel | Leighton Chenery
Contributing Author Leighton Chenery

Read this article in the tv-bay digital magazine
Article Copyright tv-bay limited. All trademarks recognised.
Reproduction of the content strictly prohibited without written consent.

Related Interviews
  • PAG talk about flying with batteries at IBC 2014

    PAG talk about flying with batteries at IBC 2014


Articles
Painting Performance Analytics with ChyronHego
KitPlus By now, most people are familiar with the sport of mixed martial arts (MMA) and its leading organization – UFC (Ultimate Fighting Championship). And while the sport and its leading promotion are only 25 years old, a great deal has changed in those 25 years, including the training of UFC athletes.
Tags: iss136 | paint | telestrator | ufc | chyron | chyronhego | KitPlus
Contributing Author KitPlus Click to read or download PDF
BSC Expo 2019 Report
Paul MacKenzie BSC Expo returned to the Battersea Evolution on Friday February 1st and Saturday 2nd. It is a busy and friendly event though this year in need of some temperature control: exhibitors around the entrance area were uncomfortably aware of the wintry conditions outside and the main hall was in need of cooling.
Tags: iss136 | bsc | cinematography | canon | c700 | c200 | cartoni | holdan | blackmagic | peli | panasonic | sennheiser | sony | fs5 | teradek | viten | flowtech | Paul MacKenzie
Contributing Author Paul MacKenzie Click to read or download PDF
Streaming - Shut up and Sit Down
Matt Lees Twilight Imperium is a board game all about strategy and backstabbing. Known for its length of gameplay, the team behind Shut Up and Sit Down decided to deliver a mammoth 10-hour live broadcast, streamed to Twitch. Matt Lees is here to tell us how it went down.
Tags: iss136 | streaming | blackmagic | atem | 4k | canon c100 | sony pxw-z90 | Matt Lees
Contributing Author Matt Lees Click to read or download PDF
Remote Teams and Talent
Megan Cater If your studio works with non-local creative talent, you already know that there are opportunities and challenges associated with distributed production and post production. Bridging the distance not only allows you to find the best talent for the job anywhere in the world, it creates the potential for a diverse and globally-minded workforce that boosts the creativity and vision of your entire company.
Tags: iss136 | signiant | file acceleration | ftp | dropbox | sharepoint | slack | saas | media shuttle | Megan Cater
Contributing Author Megan Cater Click to read or download PDF
Preserving the British Film Institute Archive
David Feller Today, the media and entertainment industry faces numerous challenges. To remain successful and competitive, these organisations must be ever innovative, agile and cost efficient in the way they produce, store, manage and distribute their digital assets. Content creators have traditionally relied upon outdated storage models, comprised of legacy interfaces, file structures and historical proprietary storage management software that tend to be complex, cumbersome and expensive. This makes it difficult to forecast and budget for ever-growing content in the effort to reach viewers.
Tags: iss136 | bfi | archive | blackpearl | spectra | storage | film | tape | David Feller
Contributing Author David Feller Click to read or download PDF