Corporate Travel Insurance

Redwood Insurance Brokers makes corporate travel insurance clear, practical, and built for how your people actually travel for work. We’ll help you protect staff and directors on business trips, explain what’s covered (and what isn’t) in plain English, and structure a policy that fits your destinations, trip frequency, and risk profile. If something goes wrong overseas, we’ll help you act fast and support the claim process end-to-end.

Why travel insurance matters

Business travel moves fast, and when something goes wrong, it can get expensive, quickly. Medical events overseas, flight disruptions, lost gear, rental vehicle incidents, or the need for emergency assistance can derail a trip and create significant cost and duty-of-care pressures for the business.

Corporate travel insurance helps you support staff and directors while they’re travelling for work — subject to policy terms, conditions, limits and exclusions.

What we help with:

Overseas business travel (employees, directors, contractors where applicable)

  • Domestic business travel (where relevant/available)

  • Emergency medical and evacuation benefits (policy dependent)

  • Cancellation and disruption (flights, accommodation, connections — wording dependent)

  • Baggage and business equipment (laptops, phones, tools of trade — limits vary)

  • Rental vehicle excess / damage cover options (availability varies)

  • Personal liability while travelling (policy dependent)

  • Travel assistance services (24/7 help lines and response coordination — varies by insurer)

We’ll map where your team goes, how often, what they carry, and what would be painful to replace, then recommend cover that matches.

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Who’s covered (and when) — the detail that matters

Corporate travel cover often depends on definitions:

  • who counts as an “insured person” (employees, directors, interns, contractors)

  • what qualifies as “business travel” (bleisure add-ons, personal days, travel extensions)

  • whether travelis covered door-to-door or only once you leave NZ

  • how frequent travellers are handled (per-trip vs annual/multi-trip policies)

Plain-English takeaway: we make sure the policy matches your real travel patterns, not a textbook version of them.

The “gotchas” we look for

This is where a broker earns their keep. We check for:

  • Pre-existing medical condition rules (waivers/assessments, disclosure requirements)

  • High-risk destinations and travel advisories affecting cover

  • Work activity exclusions (manual work, site visits, offshore/remote work, certain equipment use)

  • Sports and activities (even “casual” activities can be excluded depending on wording)

  • Business equipment sub-limits (laptops/phones often have caps and security conditions)

  • Rental car cover assumptions (not always automatic; conditions can be strict)

  • Cashflow and admin burden (how claims are handled, documentation requirements)

  • Personal travel add-ons (mixing holiday and work can change how cover applies)

If there’s a risk gap, we’ll tell you straight and show you options.

Corporate travel vs buying one-off travel insurance each time

One-off cover can be fine for occasional trips, but for many businesses, a corporate policy can be cleaner:

  • consistent cover settings and limits

  • easier onboarding for travellers

  • less “who bought what policy?” confusion

  • clearer duty-of-care approach for staff

  • better visibility for finance/operations

Plain-English takeaway: we’ll recommend what makes sense for your trip frequency and risk — not what’s easiest to quote.

How Redwood does it differently

Independent
We compare options across insurers and recommend the best match for your situation.

Advice, not just a quote
We explain any your cover in plain English so you can choose confidently.

A sharper risk lens
We look for gaps, overlaps, and exclusions that can bite later.

Claims advocacy
If you need to claim, we’re in your corner, helping drive it through to a fair outcome.

Fast-moving
You deal with people who can make progress, not a maze of corporate handoffs.

Our process (simple, on purpose)

  1. Quick chat: who travels, where, how often, and what they do on the trip

  2. Review: we check existing cover (or start fresh)

  3. Recommendations: clear options, clear trade-offs (limits, definitions, conditions)

  4. Placement: we arrange the policy and confirm key details

  5. Ongoing support: changes, renewals, traveller updates, and claims help

If something goes wrong while travelling

When a traveller needs help, speed matters. We help you:

  • understand the first steps and get assistance engaged quickly

  • coordinate insurer assistance services where applicable

  • lodge and progress the claim

  • gather the right documentation without turning it into a mission

  • keep momentum and push for a fair outcome

FAQ’s

  • Often yes. Personal policies may not cover business travel properly, business equipment, or the duty-of-care expectations an employer has. We’ll help you make it clear and compliant.

  • Usually there are medical and emergency assistance benefits, but limits, conditions and exclusions apply. We’ll explain what’s included.

  • Often yes, but sub-limits and security conditions are common. We’ll help structure appropriate limits.

  • Rules vary by insurer. Some require declarations or assessments. We’ll help you handle it properly.

  • Sometimes, but not always automatically. We’ll confirm what’s included and any conditions.

  • Often yes. Annual/multi-trip corporate structures are common for frequent travel. We’ll recommend the cleanest setup.

Want a free second opinion on your corporate travel insurance?


Bring your current policy (or just tell us what you want covered). We’ll review it, explain what matters, and show you options.

Free insurance review