Sutton Reinsurance Products

$5M per person

$25M per occurrence











Business Travel Accidental Death and Dismemberment (AD&D) Reinsurance

Sutton Reinsurance offers Business Travel AD&D reinsurance including corporate aircraft, occupational hazards & war risk.


Product need and use:

An insurance company may require reinsurance on a Business Travel plan where high limits are provided or when in combination with other policies such as Basic and Voluntary AD&D, the total amount of insurance exceeds their maximum retention per person. In some other cases, Business Travel AD&D reinsurance can be sought to reinsure a portion of the risk on a travel policy with some hazardous exposure or to reinsure this class of risk as a whole.


Business Travel AD&D Subject Insurance:

Business Travel AD&D insurance is provided on two bases:

  1. 24-Hour Business and Pleasure which is often requested for the executives of a company.
  2. Business Travel Only, which covers the insured from the time he/she leaves for such a trip until he/she returns.


Business Travel AD&D Reinsurance Design/Options:

Typically, reinsurance is purchased on a quota share or excess per life basis, but it can also be requested on an excess per occurrence basis.


Information Requirements:

  1. Type of coverage – Business travel only (BTO) or, 24 Hour.
  2. Number of lives exposed.
  3. Business Activities and occupation of the Insureds.
  4. Sums insured per life.
  5. Frequency of travel.
  6. Mode of transportation.
  7. Aggregate limit.
  8. Are there foreign residents, employees? If so, number, locations and periods of residence.
  9. Special hazards: war risk cover, owned/leased/chartered aircraft exposure.


Information Requirements:

Information requirements are outlined in Business Travel AD&D questionnaire from Sutton Reinsurance.