New to VoyagerProtect - Manual Work Cover
Posted in General Travel Insurance Travel Insurance, Travel, voyagerprotect, manual work on 23 October 2024
VoyagerProtect, as a business travel insurance policy, is by its very nature designed to cover people who travel for work or go on regular business trips abroad.
For non-manual occupations, such as consultancy or delivering a sales pitch to overseas clients, it’s no problem to find business travel cover. What can be more difficult for companies is finding business travel insurance that includes cover for manual professions. As such we have worked hard with our insurers to be able to provide cover for a wide variety of manual occupations, helping you to ensure that your clients' employees are covered on an annual multi-trip basis when working abroad.
If you would like to get a quote to cover any of these types of business, then get in contact with us on +44 (0)1483 562 662 or commercial@voyagerins.com.
Normally manual work would be excluded under General Exclusion 14 of the VoyagerProtect Policy Wording, however for certain professions we can remove this limitation and provide cover, meaning those staff are covered, including for emergency medical expenses insurance, while working abroad.
This can either be applied to the whole travel policy, if the majority of staff are manual workers, or if you have a number of both white-collar and blue-collar workers, it is possible to provide your clients with 2 policies, one for each type of worker, with an endorsement to delete General Exclusion 14 on the policy for those doing manual work, which is likely to be more cost effective.
Before we can cover manual, blue-collar professions we will also need to know:
- Description of the business
- Description of the roles/duties of the blue-collar, manual workers who are travelling
- Destination country, and if the country is a high-risk area, the specific areas of travel
- Does the work involve any shift work i.e. 3 days on, 3 days off
This detail will help us understand the nature of what your clients are looking to cover with VoyagerProtect business travel insurance for employees and try to provide them with suitable cover.
Below is a list of the manual professions that we can consider under VoyagerProtect Business Travel Insurance:
| Actor or Actress |
Customs Officer or Inspector |
Glazier (& Double Glazing) (Including use of scaffolding / Cradles) |
|---|---|---|
| Ambulance crew |
Dancer or Dance Instructor |
Goldsmith or Jeweller |
| Antique or Art Dealer (Sales Only) |
Decorator or Carpet Fitter (Excluding use of Scaffolding / Cradles and Interior) |
Gym Instructor (Fitness (Personal) Trainer) |
|
Antique or Art Dealer (inc Repair and Restoration) |
Decorator or Carpet Fitter (Including use of Scaffolding / Cradles) |
Hairdresser |
|
Architect (inc Site Work) |
Dentist |
Health and Safety Consultancy |
|
Artist or Illustrator or Engraver (commercial) |
Dietician/Nutritionist |
Horse Trainer, Services & Stable Staff |
|
Auctioneer |
Dock Labourer |
Horticulturist |
|
Author |
Doctor |
Hotel Staff (Working Excluding Kitchen but Including Porter, Doorman & Proprietor) |
|
Bar/Catering Staff (Inc cooking and waiting on tables) |
Dog Breeder or Trainer or Cattery Staff |
Inspector (Agricultural, Aircraft (ground only) and Building) |
|
Bicycle Dealer & repair |
Drainage Contactor (Domestic) |
Interpreter |
|
Boat Builder (wood and glass fibre only – excluding use of power-driven, wood working machinery and excluding boating) |
Drainage Contactor (Industrial) |
Journalist
|
|
Brewery (Clerical Only) |
Driver (Car or Van Delivery Driver or Courrier) |
Laboratory Woker
|
|
Brewery (Excluding Draymen, Brewery Working Excluding Delivery) |
Driver (HGV or Truck or Light Goods Driver) |
Midwife |
|
Broadcaster- TV & Radio |
Driver (Taxi of Chauffer) |
Musician (Including Composers) |
|
Broker (Commodity, Insurance and Stocks) |
Driver (Train including Conductor) |
Nurse (Excluding Psychiatric) |
|
Broker (livestock) |
Electrician or Electrical Engineering (Industrial & Commercial) |
Occupational Therapist |
|
Broker (Loan, Pawn and Oil) |
Energy Consultancy |
Office or Clerical Staff |
|
Builder's Merchant (construction material supplier) |
Engineering (Office Based) |
Optician / Ophthalmologist / Optometrist |
|
Building Consultant or Inspector (Excluding Manual Work) |
Engineering (Including Heavy – Castings, Machine Tools and Installation) |
Paint Sprayer
|
|
Bus or Coach (driver/conductor) |
Entertainer |
Panel Beater |
|
Cameraman |
Estate Owner (Manual Work excluding tree felling) |
Photographer (Local Press) |
|
Care Assistant |
Event Planner |
Photographer (National Press, Industrial - no aerial or underwater) |
|
Carpenter, Joiner, Shop Fitter, Furniture Maker or Repairer (Including use of power-driven woodworking machinery) |
Factory Worker (and Assembly Worker) |
Physiotherapist (Including Osteopath and Chiropractor) |
|
Cement or Brick Works |
Farmer (including Dairyman – All farmer’s family members working for them must be rated in same terms) |
Pipe Laying |
|
Chef |
Fencing Contractor |
Plant Hiring (Without Operator – delivery/maintenance only) |
|
Chemist or Pharmacist (Consulting of Pharmaceutical) |
Film Maker |
Plumber |
|
Church / Clergy |
First Aid Trainer |
Printer |
|
Civil Engineering (Clerical Including Site Visits & Site work superintending) |
Fish (Farmer, Filleter and Monger) |
Removalist |
|
Civil Engineering (Manual) |
Food Industry & Hygiene Consultants |
Retail / Shop Staff |
|
Cleaning Services (Offices, Shops, Houses (internal) & up to 2 stories) |
Forestry (Tree-Felling not a major part of the job) |
Shop (Including Installation work – non-hazardous) |
|
Clothing (incl. footwear) (Maker, Shrinker, Waterproofer, Dress Maker, Designer, Glove & Wig Maker and Bleaching and Dying) |
Fruiter |
Shop (Including Installation work – hazardous)
|
|
Clothing (incl. footwear) (Merchant or Buyer – Retail) |
Garage |
Teacher (including teaching assistant, lecturers and ancillary staff) |
|
Commercial Traveller |
Gas / Oil installation (Land Based) |
Theatre Staff (manual – e.g. scenery maker) |
|
Computer (Consultant/Contractor/Engineer) |
Gas / Oil installation (Offshore) |
Theatre Staff (non-manual – e.g. box office) |
|
Curator |
Geologist |
Undertaker (no use or power-driver wood-working machinery – Funeral director – non-embalmer) |
|
|
Veterinary Surgeon (excl. zoos/wildlife parks) |
|
|
|
Zookeeper |
This list of occupations and trades may change over time, so please contact us if you do not see the profession your client is looking for cover for in the list. To see if cover may be available, either phone us on +44 (0)1483 562 662 or commercial@voyagerins.com.
VoyagerProtect Business Travel Insurance for manual work includes the same great features and travel insurance covers that you get on a VoyagerProtect policy for those performing non-manual work including:
- Cover for Emergency Medical Costs Including Pre-Existing Medical Conditions - using a simple ‘fit to fly’ declaration
- Cover for Personal Accident - in the event of a life changing incident
- Personal Possessions Cover and Baggage – covering against loss or theft, including business equipment
- Cancellation Cover – including the cost of replacement personnel
- Personal Liability Cover
If you would like to get a VoyagerProtect multi trip travel insurance quote to cover your employees on work trips, either for manual or non-manual work, please get in contact with as by either completing the online application form, by phoning VoyagerProtect Business Travel Insurance on +44 (0)1483 562 662 or commercial@voyagerins.com
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