Business travel insurance. If you’ve only ever thought of travel insurance as something you need on holiday, the idea may seem a little strange, but that doesn’t make it any less necessary. After all, travel frustrations on holiday may spoil a few days of your well-earned rest...but hiccups in your business travel can cost you your bottom line. In the entertainment industry, even the smallest delay, or one missed flight, can cost you the gig and potentially your livelihood. Here’s why a tailor-made entertainer’s insurance policy should be top of your to-do list every time you travel.

What does travel insurance do, anyway?

We’re sure you’re pretty familiar with the basics of insurance, in fact, we bet your car, home and life are already insured! Yet travel insurance- especially working travel insurance tends to be the last thing on our minds as we organise our trips. It shouldn’t be, however.

A lot goes into planning a trip of any sort, be it vocational or a vacation. Many of these costs are up-front, and very few refundable if something happens to go wrong.

Most people probably think of business travel insurance as a way to get reimbursement if you fall ill, are injured, or there’s a death in your family which prevents you from travelling altogether. While all of these events are covered on a good travel policy, there’s a lot more covered too. Obviously, specifics will vary based on your exact policy, but this can include:

• Coverage if you fall ill during the trip
• Costs incurred if you have to end the journey early
• Severe weather or other incidents cancelling flights at your destination
• Your travel provider going bankrupt

Many more scenarios will also be covered. Typically, there will be a medical costs component, covering emergency medical treatments, and a death and repatriation benefit should the worst befall you. There’s also reimbursement for lost luggage in most typical policies, too.

How does business travel insurance differ from regular travel insurance?

Of course, an overseas/cross-border trip is a trip, regardless of your motives for undertaking it. A lot of the fine details of travelling for work don’t look all that different from travelling for fun. However, it’s fair to say the average business traveller has a completely different set of concerns than the average vacation traveller, and most of them are tied to timing. A vacation traveller will be annoyed to lose a day or two of their holiday, but for a business traveller, not arriving at a set location at the time you need to be there can be devastating.

However, the same basics of personal safety, medical care and protection against unseen events still apply.

The catch for those who work in the arts

Why, then, the need for a specific policy for entertainer’s travel insurance? Would the needs of a working professional in the arts not simply be covered by standard working travel insurance? Or even just ‘normal’ travel insurance? Do you really need a specific product?

In short, yes.

Firstly, while some working individuals make the mistake of taking out standard travel insurance, meant for vacationers, and assuming it will cover them, it often won’t. Why? Because of your unique needs as a working individual, most generic insurance-mills will see you as a higher risk. Earning any form of income while travelling is, of course, always defined as ‘labour’, and depending on your entertainment niche, sometimes falls under ‘manual labour’ policy exclusions too. This pertains especially for roles in rigging, or other entertainment occupations that involve working at height, working with electricity and moving heavy loads. Add to that the fact that many generic business travel insurance policies will not cover independent workers and contractors, and you can see why the best choice is a policy tailored specifically to your specific needs.

Whether it’s a rehearsal or performance, cruise ship or continental, entertainer’s travel insurance has you covered. What’s even better, is that the coverage offered specifically tailors itself to the needs of a working entertainer. Entertainer’s insurance will prevent the trip turning into a calamity - and all without breaking the bank.

The only entertainer’s travel insurance you’ll ever need

Hencilla Canworth offers you the only working travel insurance you’ll ever need. We’re able to fully customise your insurance package to suit your needs, so you have full peace of mind that you are covered from the second you leave our shores. Starting at £19.92 for a basic package covering a 10-day European stay, it’s easy to extend our policies to cover you wherever you roam. If you have a busy travel schedule, don’t worry, we also offer annual policies to cover multiple trips throughout the year. Cancellation cover and medical cover can both be tailored to suit your specific circumstances. We also offer coverage for some pre-existing conditions, provided a basic medical screening is passed. You’ll get your online quote in 5 minutes, so why not give us a try today?

Hencilla Canworth offers some of the very best entertainer’s travel insurance on the market today. With fully customisable options, why not get in touch with us today, and ensure your next gig is protected simply and effectively, no matter what the day brings?

Please remember that different policies have different covers, so if you are in any doubt contact us to ensure the policy meets your needs.