Serious illness, natural catastrophes and stolen belongings …from everyday hazards to worst-case scenarios, the potential forperil associated with multinational business travel ishigh.

From a report by ACE's Accident and Health Division, here aresome safety tips that will safeguard employees and organizations ina variety of travel situations.

What can organizations do to protect traveling employeesand limit business interruption?

1. Review your travel insurance policy to make sure it providesadequate accident, health and emergency response benefits fortraveling employees.

2. Be sure your employees know how to contact your travelassistance provider while traveling on business, especially iftraveling outside their home country.

3. Establish a method for tracking employee travel and develop acommunication system for emergency situations.

4. Avoid sending a concentration of employees in the samevehicle—airplane, train, bus or motor car.

5. Obtain pre-travel risk assessments for destinations whereemployees will travel, especially if they are traveling to areas ofknown risk.

6. Conduct training programs and orientation sessions to reviewtravel risks and response protocols with traveling employees.

7. For employees with known health risks or taking maintenancemedications, make sure they are fit for travel and have access tolocal facilities.

8. Check the security settings on laptops and other electronicdevices, including access to your networks and legacy systems.Inform employees of procedures to follow if they suspect a databreach or system compromise.

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What can organizations do to ensure all employees areadequately protected when traveling?

9. Provide your employees with access to a travel assistanceprovider that will help them locate lost items, or even provide acash advance in an emergency situation.

10. Remember many domestic health care plans may not respond atthe point of service if an employee is injured or suffers a medicalemergency while travelling on business, especially if travellingoutside of the country. Check with your healthcare provider andconsider making short-term out-of-country medical insuranceavailable for your global travelers.

11. Implement a controlled master program for multinationaltravel exposures, on par with similar programs addressing globalproperty and casualty risks. Controlled master programs integratelocally admitted insurance policies into a master program to helpavoid coverage gaps.

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What can employees do to protect themselves whentraveling by air?

12. Stay alert and watch your bags and laptop carefully. Stayespecially aware when traveling through a security checkpoint andwhile waiting in a lobby or terminal.

13. Only allow authorized personnel to handle your bags.

14. Keep a record of the contents in your checked luggage. Don'tcheck anything that would be difficult to replace.

15. If there is any sort of disturbance, move away—nottoward—the potential threat.

16. If you notice anyone acting in an unusual or suspiciousmanner, alert an airline employee or the authorities.

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What can travelers do to protect themselves on theroad?

17. Familiarize yourself with your rental vehicle by testing thecontrols. Confirm that everything is in good working order beforeleaving the facility. Visually inspect the exterior of the vehicleand take pictures if necessary.

18. Know the route you will be traveling. Have a trustworthynavigational system and a map or written directions with you, andchart your course before leaving. If you have to reference the map,try to avoid doing so in wide-open spaces.

19. Lock your car doors while driving and only park in well-litareas.

20. Do not leave valuables in plain sight in the vehicle. Lockpersonal items in the trunk when leaving the car.

21. Drive only on well-traveled roadways. Do not attemptunfamiliar shortcuts or make stops in dimly lit or lonelyplaces.

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What can travelers do to protect themselves at ahotel?

22. If possible, try to avoid staying in a room on the groundfloor, as you may be more susceptible to break-ins and otherincidents.

23. Keep hotel doors and windows locked at all times. When youarrive, and any time you leave and return to the room, check toconfirm the locks are working.

24. If you brought any valuables, be certain to leave them inthe hotel safe.

25. Confirm that your room has a working peephole and use it toverify the identity of anyone who knocks on the door. If anunexpected visitor claims to be a hotel employee, call the frontdesk to confirm.

26. Learn the location of the nearest fire exits, elevators andphones.

27. If connecting to the hotel WiFi, do not agree to any updatesthat may pop up on your screen.