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Corporate Risk Insurance

Learn how Business Travel Accident Insurance can help employers provide coverage for unique risk exposures.

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Why choose AIG Business Travel Accident Insurance?

From small disruptions to big ones, AIG’s Corporate Risk Insurance provides end-to-end Business Travel Accident coverage and risk management solutions to help keep traveling employees focused on the business at hand.

Our worldwide business travel coverage with travel assistance services for security issues, medical emergencies, travel inconveniences and more can help employers meet their duty of care obligations to employees by demonstrating and reinforcing their commitment to the safety and well-being of their employees.

  • Offers proactive and integrated technology solutions such as end-to-end travel risk management.
  • Includes 24/7 access to the AIG Travel Protect Travel Assistance website and mobile app that provides traveling employees with emergency contacts, travel risk training, important travel security and health information, and country/city guides available any time.
  • Offers multinational coverage; AIG is among a select group of carriers with the ability to structure a BTA  Controlled Master Program that includes local policies in countries where required by regulation, and where many clients have exposure. AIG utilizes its global coverage network in ~190 countries and jurisdictions to deliver multinational capabilities.
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The AIG Advantage

Unique Market Partner

Vast expertise and unique solutions help clients cover employees through an easily administered A&H program.

Technology and Multinational

Global reach and service platform enables a more seamless and efficient program to help support clients’ employees worldwide.

Claims Capabilities

Decades of experience and powerful client resources enable AIG to streamline the customer experience—especially when they need us most.

  • Offers clients access to AIG Travel Protect 24/7 global service centers for medical assistance, security assistance, worldwide information, concierge services and more
  • Creates unique solutions tailored to our clients’ risks—security issues, medical emergencies, travel inconveniences and more

  • AIG Travel Protect Travel Assistance services provides covered employees with access to its website and mobile app providing traveler resources before and during travel
  • Helps clients extend multinational coverage through responsive master policies with limits that are available when local policy limits are exhausted

  • Provides a flexible yet centralized program delivering global control, consistency and efficiency to help clients to work across borders seamlessly

  • Employs a team of specialized in-house claims professionals with decades of A&H experience

  • Provides unparalleled experience, knowledge, and expertise for a holistic claims approach 

  • Enables a simplified approach to client claims management via travel assistance especially for multiple lines of coverage, e.g., Foreign Casualty, Kidnap, Ransom & Extortion, A&H, etc.

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Plan Highlights


An easy program to administer, with a closed loop between insurance, services and claims administration.


Streamlined coordination between members of risk management, benefits, security and medical departments of an organization.


Offers benefits that are payable in addition to workers’ compensation, group life coverage or any other coverage.


Includes access to the Travel Guard website and mobile app providing traveler resources before and during travel.


Outstanding 24/7 travel assistance service from Travel Guard with full cost transparency–there are no additional case fees or markups at time of service.


Coverage for specified personal trips taken in connection with a business trip, as well as for family members traveling with the employee on approved business travel.

Benefits and Services

Corporate Accident & Health Insurance plans can be purchased on a long-term (annual) or short-term basis, and can even be purchased for a single-day event. We provide accident coverage for domestic companies to multinational companies. The primary benefits and services include:

Accidental Death and Dismemberment

Provides a lump sum payment for a covered accident that results in a loss of life, limbs, speech, hearing, or sight.

Repatriation of Remains

Provides coverage for the preparation and transportation of an insured’s mortal remains to family members in the event of a covered accidental death while traveling.

Travel Assistance Services

Valuable assistance services that are available to covered individuals traveling 100 miles or more away from home.

War Risk Country Coverage

Provides coverage for employees while traveling in certain Designated War Risk Territories.

Emergency Medical Evacuation with Family Travel

Pays for Covered Emergency Evacuation Expenses for a covered Injury or Emergency Sickness if the Injury or Emergency Sickness warrants a Medically Necessary Emergency Evacuation Service.

Security Evacuation Coverage

Covers eligible expenses to transport employees to the nearest safe place in the event of an emergency, as determined by designated security consultants.

Out-of-Country Accident/Emergency Sickness Medical

Provides payments for covered emergency services that are medically necessary including coverage for treatment of a covered illness related to COVID-19, subject to the same policy terms and conditions as any other covered illness.

Infectious Disease

Helps mitigate the risk of exposure to employees while traveling on a covered business trip by evacuating them home or to the nearest place of safety if there is an outbreak.

Travel Assistance Website and Mobile App

Wherever traveling employees may be, in the event of a medical emergency or unexpected travel problem, they are never more than a phone call away from AIG Travel Protect's global state-of-the-art service centers. In addition to 24/7 phone assistance, employees also have access to AIG Travel Protect's secure travel assistance website and mobile app* (available on iOS and Android) for fast and convenient access to in-depth travel, security and health information. Learn more about AIG Travel Protect.

Insure Employees. Manage Risk. Prepare for Disruption.

The core benefit of BTA Insurance is 24-hour Accidental Death & Dismemberment (AD&D) coverage. Additional coverages available include supplemental out-of-country accident and emergency sickness medical, emergency medical and security evacuation, repatriation of mortal remains, and travel inconvenience benefits including lost personal property and travel delay.

Employers may customize coverage benefits and limits by employee class or purchase a single-source solution which provides insurance benefits and travel services for employees who live, work, or travel around the world.

AIG’s multinational Business Travel Accident insurance can be offered as a valuable addition to any organization’s existing or developing global program, which can be structured to offer a transparent and informed solution that reflects the unique preferences of the employer.

Wherever traveling employees may be, in the event of a medical emergency or unexpected travel problem, they are never more than a phone call away from AIG Travel Protect's global state-of-the-art service centers operating 24/7/365.

Business travelers rely on AIG Travel Protect assistance services, to help them recover from unexpected circumstances that can interrupt their travel plans.

Expenses incurred from third-party vendors for assistance services not part of a filed insurance plan are the responsibility of the traveler.

Our BTA Multinational Advantage

Our BTA Multinational Plan helps multinational employers fulfill local requirements through one convenient, centrally administered program.

  • Controlled master program provides fully coordinated and centralized account underwriting, administration, and claims management
  • Worldwide standardization of key benefits and services
  • Consolidated account management and travel assistance services
  • Solutions for compliance with local country requirements and market standard benefits

Real-World Problem Solving

Benefit from our experience in working with customers and their brokers and agents to deliver successful outcomes.

Challenge

On an overseas business trip, a covered employee scratched her leg and sought local medical treatment after it became infected. When her condition did not improve, she contacted AIG Travel Protect service center for assistance.

Solution

AIG Travel Protect evacuated the employee for emergency hospital care, arranged for a family member to be by the employee’s bedside and arranged a non-medical repatriation home once the employee recovered enough to travel.

AIG Benefit

The employee received swift, lifesaving medical care and services coordinated by AIG Travel Protect.

Challenge

A foreign national became ill on a U.S. business trip. Using his AIG Travel Protect mobile app—he arranged emergency treatment, including in-patient hospital stay and a spousal bedside visit.

Solution

The employee received the proper care  and extended benefits through the client’s local and master policies.

AIG Benefit

The employee received valuable health benefits beyond local policy coverages when the master policy was triggered, and all covered items were paid and/or reimbursed in accordance with each policy’s terms and conditions.

Challenge

An explosion in Asia resulted in casualties and injuries to employees of an AIG client.

Solution

Within 24 hours, AIG Travel Protect dispatched a crisis management team of medical, security and operations staff. The team coordinated emergency treatment for the injured, coordinated repatriation and cremation for the clients who perished, and ensured the safe return of all clients and their family members and provided  bereavement counseling.

AIG Benefit

Clients and their families received swift support from AIG, and had their claims payments* presented to them on the ride home from the airport.

 

*Claims payments may take longer to issue.

The fictional scenarios summarized above are offered only as examples. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of the policy. 

Business Travel Accident Product Inquiries

Our goal is to provide a customized benefit solution to meet each of your unique needs. Based on these needs, please click the below that best applies to you.

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This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the Policy. If there are any conflicts between the contents of this document and the Policy, the Policy will govern in all cases. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Ave of the Americas FL 37, New York, NY 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states and product features may vary by state. Travel assistance services are provided by AIG Travel Protect.

Non-insurance, travel assistance services provided by AIG Travel Protect. AIG Travel Protect provides around-the-clock global support to customers who experience travel disruptions from minor inconveniences to life threatening emergencies. Designed by International SOS, Inc., owned and operated by AIG. Learn how AIG Travel Protect uses personal information www.aig.com/globalprivacy and https://www.internationalsos.com/privacy-centre/member.

For further information on how AIG uses personal information and to access contact details if you have any questions, please see our full Privacy Policy for your country at: https://www.aig.com/globalprivacy.

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Downloadable Materials

Download PDF [2.5 MB]

Filename
corporate-markets-tear-sheet.pdf
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Format
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Corporate Markets Tear Sheet
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