While checking out of a hotel in Perth for a work visit, the traveller knocks over a display stand in the lobby, damaging it and cutting a guest’s hand. The hotel sends an invoice and the guest threatens legal action for costs and pain.

If you are legally liable for accidental injury to others or property damage on a trip, it can pay damages and defence costs, within limits.

Flying Sydney to Auckland for a conference, the airline misdirects the traveller’s suitcase. It doesn’t arrive until the next afternoon, so they buy essential clothing, toiletries and a spare shirt for the first day of meetings.

If baggage is delayed or misdirected, it can reimburse essential clothing and toiletries you need while waiting, within sub-limits.

On a work trip to Singapore, an employee slips on wet tiles, fractures a wrist and needs hospital treatment, X-rays and a cast. They also need pain relief, follow-up checks and medical clearance before they can fly home.

It is designed to cover overseas medical costs for injury or sickness, plus evacuation or repatriation if medically necessary, within limits.

A Melbourne sales manager is due in Brisbane for a client pitch. The morning of departure they’re diagnosed with acute gastro and their doctor says they can’t travel. Flights and the hotel are non-refundable and the meeting is missed.

It is designed to cover non-refundable travel and accommodation costs if unexpected illness or injury stops the trip, within policy limits.

A trip is booked to a region affected by civil unrest and conflict, despite public warnings. Flights are cancelled, the traveller can’t safely reach the airportand they are injured during violent events. The business tries to claim extra costs and lost deposits.

Losses caused by war or civil unrest are commonly excluded. Some wordings only offer limited evacuation support in specific situations.

During a conference trip, an employee signs up for paid training connected to a professional sporting event. They are injured during the session and need scans, treatment and time off. The claim includes medical bills, extra accommodation and changed flights.

Most policies exclude injury from training for or taking part in professional sport, unless the insurer agreed to cover it in writing.

An employee flies to Singapore for meetings even though their doctor advised they shouldn’t travel yet. Mid trip they collapse, need hospital care and a medical escort home. The business also loses prepaid flights and hotels when the trip is cut short.

Cover is usually excluded when travel is against medical advice, when someone is unfit to travel, or travelling to get treatment.

A staff member gets into a fight after a work dinner overseas and damages hotel property. They’re fined by local authorities and the business wants to claim the costs, plus extra accommodation while they deal with it.

Corporate travel policies usually exclude claims linked to illegal or criminal acts, including fines, penalties and related costs.