MISSING MILESA SMART RETURN TO BUSINESS TRAVEL

TODAY’S PANELISTS

IMA’s Global Risk and Benefits Department provides expertise to clients for their domestic and international travel exposures, as well as consulting for multinational companies. With over 50 years combined global consulting experience, our team is dedicated to ensuring your globally-

mobile employees and international exposures are protected.

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Sean JacksonMANAGING DIRECTOR – GLOBAL RISK &

BENEFITS

Liz YovichGLOBAL EMPLOYEE BENEFITS PRACTICE LEAD

Hope BrokawINTERNATIONAL ACCOUNT MANAGER

AGENDA

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1 Reentering the World of Business Travel

2 Insurance Coverage Applicability

3 Travel Safety Guidelines and Policy Creation

4 Services for Returning Employees

5 Final Thoughts

THE DECISION TO TRAVEL

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Corporate Travel Policyx

Company Confidencex

Traveler Confidencex

Government Permission

PERMISSIBLE TRAVEL

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POST COVID-19 CORPORATE TRAVEL POLICIES

du·ty of care (/ˈd(y)o͞odē/ /əv/ /ker/)An obligation imposed on a company that requires adherence to a standard of reasonable care while asking employees to perform an act that could foreseeably cause harm to them or others, including business-related travel

Questions to Consider:

Are we meeting our Duty of Care obligation?

Is it safe to travel?

Who is allowed to travel, and for what reasons?

What are the types of “permissible travel”?

• Insuring flight costs

• Insuring hotel costs

• Coverage in the case of a pandemic?

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TICKING THE TRAVEL INSURANCE BOX?

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WORKERS COMPENSATION

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• Recent COVID-19 legislation varies by state

• Domestic Travel within the U.S. – file claim to the domestic WC insurer

• Foreign Travel Abroad – file claim to the Foreign Voluntary WC carrier

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BUSINESS TRAVEL ACCIDENT

• Generally, BTA plans should respond as usual in the event of a covered incident

• Out-of-country medical provisions, if included, do provide coverage for medical costs incurred outside of the employee’s home country associated with treatment

• Evacuations may be difficult, impossible, or not applicable:• Emergency Medical Evacuation• Political and Natural Disaster Evacuation

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BUSINESS TRAVEL MEDICAL

• Similarly, BTM policies are generally expected to respond as normal for covered services under the policy• Evacuation services may be difficult, impossible, or not applicable

• Key Consideration: employees managing chronic health conditions

• Per diem may be available for quarantine due to illness – consult your policy

TRAVEL RISK MANAGEMENT PROVIDERS• Provide a range of services:

• Employee location tracking• Country-specific guidance and alerts• Integration with insurance policies and corporate travel planners

• Vast array of up-to-the-minute information:• Travel Restrictions by Country• Airline Route Restrictions• In-country movement restrictions

• Contact tracing capabilities in development

• Understanding additional health screening measures

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TRAVEL SAFETY & GUIDELINES PROGRAMCREATING AND IMPLEMENTING AN EFFECTIVE PROGRAM

What does a comprehensive travel safety & wellness plan include?

Business Operation Procedures

MedicalGuidance

Travel SafetyEducation

StrategicServices Offeredto the Employee

upon Return

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TRAVEL SAFETY & GUIDELINES PROGRAMCREATING AND IMPLEMENTING AN EFFECTIVE PROGRAM

StrategicServices Offeredto the

Employeeupon Return

Create guidelines on Return to Work procedure• Do you require testing in order to resume normal work activities?

Should employee(s) need to quarantine:• Do you require employees returning from business travel to self-

quarantine for a period of time? How do your paid sick/leave policies account for this? What are the employee’s work-from-home options?

• What do you do if your traveling employee comes in contact with COVID-19?

Access to mental health and wellness services

THANK YOU!

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Contact us with any questions at IMAGlobal@imacorp.com

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