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Group Travel / Personal Accident

Travel for business with first class protection

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Why you need business travel / personal accident insurance

Due to the vibrant nature of the finance industry in the Channel Islands, we understand there are significant levels of off-Island travel, whether this is to the UK, Europe or further afield. Business travel often represents a large outlay and risk to Channel Island businesses whether the trip is cancelled or curtailed due to the adverse weather conditions in the Channel Islands or the risk of employees becoming injured or ill whilst away. The volume of Islanders that travel for business is significant year-on-year and we understand the costs and implications involved with this. 

Our professional team here at Islands would be delighted to assist you in placing a policy that suits your business’ needs and gives you comfort whilst your staff are travelling, as well as protection for your company’s financial position.

Covers & benefits provided

Islands Insurance has a long history of supporting Channel Islands businesses with bespoke insurance provided to meet your needs, including:

Personal Accident

Coverage for your employees whilst they are travelling on business, with options to include sickness within the personal accident section. We can help make sure that you have all potential scenarios covered.

Medical Expenses

Coverage for your employees should they require medical or hospital treatment. Depending on the unfortunate circumstance and location these costs could be vast, so it’s important to make sure you have a policy that can give you peace of mind.

Cancellation or Curtailment Expenses

In the unfortunate event that your trip is cancelled or cut short due to an insured circumstance, such as adverse weather, death or illness of a close family member or travelling party, this policy makes sure you are able to recover costs of the booking.

Travel Disruption

Following travel disruption due to adverse weather make sure you have cover for additional costs and expenses in extending the trip due to reasons outside of your control.

Loss or Damage to Baggage & Personal Belongings

It’s important to ensure costs can be recovered should your baggage or personal belongings be lost or damaged whilst away on business. Depending on the nature of the trip we understand certain items may be costly to replace.

Employee Replacement Expenses

Should your employee be hijacked, pass away or become temporarily or totally disabled whilst away on business not only will we cover the cost in returning your employee back to the Channel Islands, but also the costs of sending another employee to complete the business trip.

Existing Customers

Renewing your policy

We will contact you prior to your renewal date with all the details of your policy cover for the coming year.

Payment options

Payment can be made by monthly direct debit or an upfront annual payment.

Making changes to your policy

Click here to make a change or request.


You can cancel your policy at any time by contacting us.

Existing Business Customers

Why choose Islands?

Our locally-based team is dedicated to providing specialist, personal service, to give you peace of mind with insurance cover for the things that matter.

Established and Experienced

An experienced market-leading team, delivering specialist advice and expertise for over 40 years.

Communication that works for you

Pop into our office, speak to us on the phone, send an email, or browse through our website.

Flexible policies, offering quality protection

We have bespoke Channel Island products designed and rated with this in mind that can be individually tailored for your needs.

Investing in our community

We are proud to support the local community through several sponsorships and partnerships, helping to protect our rich heritage and take care of our beautiful islands.

In-House Claims Team

Friendly, experienced in house claims team giving guidance and help when it matters most.

Multi-policy discount

Available if you have more than one policy with us.

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Please select your location

To provide you with a tailored travel policy, please select your island below to be taken to the appropriate quote form.

Guernsey / Alderney