Travel & Personal Accident Insurance

Travel & Personal Accident Insurance

Every business should protect its most valuable asset: its people. So why not offer them the best possible protection?

What if?

your curator is injured abroad and requires 2 months’ recuperation? How do you minimise the disruption to your business that's caused by the absence?

your gallery manager falls ill abroad, just days before he was due to sign a major new contract for an exhibition? How do you take care of your valuable employee and still secure the contract?

Five reasons why you shouldn't be without Business Travel and Personal Accident Cover: 

  1. Expansion: with international expansion comes more overseas travel by staff. It’s essential to carry insurance against travel contingencies – lost baggage, cancellation, illness & accident.
  2. Instant support & rapid settlement: with access to 24/7 assistance services in case of emergency, you staff can access policy benefits instantly from anywhere in the world.
  3. Recruiting the best staff: you can ‘ramp up’ cover for your senior staff, differentiating your benefits package and helping you to attract and retain the best talent.
  4. Business as usual: with Personal Accident lump sum payments made directly to the business,you can use the money as you wish – recruitment, an interim replacement or changes to the workplace to accommodate a disabled employee.
  5. Terrific Value: La Playa’s comprehensive, group policies start from as little as £250 per annum*.

* insurance premium tax in addition.

If something does go wrong abroad, you want your claim to be paid in full and without fuss. Read our tips on how to get your travel insurance claim paid to find out what you can do.


“La Playa: Insurance with Intelligence. Passionate. Discerning. Independent.”


Case Study

Claim 1

Claimant travelled to Malaysia on Business. Whilst there an explosion occurred at his accommodation, this resulted in him suffering 48% burns to his head, face, arms and back. Due to the severity of his injuries two family members were flown out to be with the claimant. Following his admission to hospital the claimant passed away due to the injuries suffered from the accident. The policy held by the Insured was for Personal Accident and Business Travel. In view of the cover taken out a claim was paid for the appropriate benefits under the Personal Accident policy, together with costs incurred under the Medical section, this including the travel, sustenance and accommodation expenses of the two relatives. Additionally, the Personal Effects that were destroyed in the explosion were also paid for.
Total claim: £580,000

Claim 2

An employee for a passenger shipping company was rendered paraplegic after a horrific car accident. Contact was made with his consultant to determine if the condition was permanent. As soon as this was established, the claim was settled for the permanent total disablement benefit, payable under the policy.
Total claim: £195,000

Claim 3

Claimant travelled to Spain, whilst walking out one evening she was run over. Tragically, she passed away. Due to the circumstances of the incident her parents travelled out to Spain. The policy held by the Insured was for Personal Accident on a 24 Hour basis and Business Travel. In view of the cover taken out a claim was paid for the appropriate benefits under the Personal Accident policy, together with costs incurred under the Medical section, this including the travel, sustenance and accommodation expenses of her parents. Under the Business Travel section of the policy this also provided cover for Legal Expenses to pursue a claim against a third party who had caused Bodily Injury. This was pursued and was successful in claiming damages from the responsible third party.
Total claim: £83,000

Claim 4

An employee of a large bank was injured in the 7/7 bombings in London. She suffered permanent partial injuries, but the precise nature of such injuries would normally take some time to establish. In order to provide a quick resolution, the nature of her injuries were determined as soon as possible in liaison with the consultants and the Insurer was able to make an earlier offer to help her move on with her life.
Total claim: £75,000

*Claims provided by Chubb Insurance

Ready to work with us?

You can call us to talk more about your business on +44 (0)1223 200650 or +44 (0)20 3865 0149

What's Covered?

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About La Playa Fine Art

Specialist & Independent

Advice You Can Trust

…from an expert who understands you

  • Specialist insurance for the arts
  • Independent professional advice
  • Relationship-based service: right beside you when you make a claim
  • “Can do” culture
  • Seamless insurance across UK and US


What does “Boutique Service” actually mean?
La Playa’s Personal Risk Concierge means:

  1. A dedicated adviser so you can speak to the same person each time
  2. Careful listening to really understand your needs and priorities
  3. As much help as you need with completing forms to provide risk information
  4. A discreet and complimentary appraisal* of your property to assess the risks and ensure you have the right cover where you need it
  5. An independent market review - so you don’t have to shop around comparing policies, cover limits, risks covered and smallprint exclusions
  6. Careful monitoring of the insurers’ financial strength, claims and customer service
  7. An independent recommendation of the best policy for you - and, importantly, why
  8. Specialist policy wordings from underwriters who have demonstrated excellence and deep understanding of your risk exposures. We have analysed a wide range of policy wordings and have selected only the best for our panel. Our advisers have a deep working knowledge of these policies 
  9. An intelligently designed portfolio of protection across multiple asset classes and territories
  10. Advice on how best to manage your risks - to keep you safe but also to keep insurance costs down
  11. Expert guidance on valuations, security and risk management, and connecting you with specialist advisers and suppliers
  12. Direct phone, mobile and email access to your adviser for questions and advice. We aim to respond to emails within 60 minutes
  13. Policy documents emailed to you - no logins and passwords to remember
  14. An advocate beside you if you make a claim - thinking laterally to mitigate the impact, making useful connections to get you back up and running; driving through to a swift and fair financial settlement

Oh, and...

  • No call centres
  • No ‘hold’ music
  • No hidden fees

*subject to availability with our insurer panel

Photo from Fine Art
Photo of Jane Byde ACII

Jane Byde ACII


Direct Dial: 01223 200650

Mobile: +44 (0) 7342 997211


Twitter: @LaPlayaJane