I have recently stumbled upon a Tiktok video of a driver driving in the dark, low visibility, and crashed into a car wreckage on the road. As a Malaysian travelling across the country for work, this has been a great and deep fear every single time I travel. It gets even worse when I have to travel at night. There are roads in Malaysia that are just pitch black save for your own headlights or the lights of the car ahead of you. This can happen be it travelling south to Johor, or even up north to Penang.

How is this relevant to businesses? Simple. As a business owner, your sales team is essential to your success. They are the ones who are out there generating leads, closing deals, and building relationships with customers. But what happens when they are traveling for their job?

Business travel can be dangerous, and there are many risks that your sales team can face, such as:

• Accidents and injuries: Business travelers are more likely to be involved in accidents and injuries than people who work in offices. This is especially if they are often traveling in unfamiliar places and may be using unfamiliar modes of transportation.
• Illness: Business travelers are also more likely to get sick, especially if they are traveling to countries with different climates and cultures.

That’s why it’s important to have adequate insurance in place for your sales team when they are traveling. Here are some policies to consider:

• Group Hospital & Surgical Insurance – This is to cover medical cost for when your personnel is admitted to the hospital for illness or injury following an accident. This is a must have!
• Group Personal Accident Insurance – This is to cover instances where your personnel meets with an accident. Benefits include payment for your personnel’s dependents in the event of a death, compensation for the duration of when they’re on MC, etc. This is highly recommended!
• Travel Insurance Coverage – This help to cover the costs of medical treatment if your sales team member gets sick or injured while traveling. It may come with Personal Accident, Emergency Medical Evacuation, Repatriation Programme, Trip Cancellation etc. This is important for when your team is travelling Internationally for work.

Businessmen and sales people getting into accidents or falling ill when travelling for work purposes are not a rare occurrence in Malaysia. We have processed insurance claims for these in the form of medical insurance and personal accident. We have seen cases where the claimant almost lost their arm! The most recent one was when they ended up blind on one eye following a car accident!

Insure your team with us today!