BF&M's business travel insurance is separated into four sections which can be purchased as a whole or individually, allowing your to customise your plan as needed.

• Personal accident
  • Covers accidental death and permanent injury as a result of an accident happening while you are on the trip
  • Weekly disablement benefit for adults who are temporarily unable to work
  • Exclusions: scuba diving, snow skiing, and other similar high-risk activities

• Medical and emergency expenses
  • Covers any incidentals that are not covered by the traveller’s regular medical insurance (such as prescriptions)
  • Emergency expenses could include the additional cost of transportation and accommodation incurred as a result of death of or injury to the insured person, or anyone travelling with them
     
• Cancellation and curtailment
  • Covers lost deposits and non-refundable fees for transportation and accommodation if the trip is cancelled or cut short because of:
    • Death, injury, illness, or quarantine of the insured person
    • Death, injury, illness of a close family member, a travelling companion, or a business associate
    • Jury duty or military duty
    • Hijacking of the plane
       
• Personal property
  • Covers loss, theft or damage to personal effects worn, taken, sent, registered, or as luggage in advance or acquired (subject to $1,000 limit for any one article)
  • Covers loss of cash, travelers cheques, letters of credit, or travel tickets (limited to $150 any one person)