Business travel is unfortunately, an often overlooked area of risk management, especially for the 33 million small businesses which make up 99.9% of all businesses in America.  And between geopolitical turmoil, severe weather events, and civil unrest, travelers today face more challenges than ever.  HSR can customize Business Travel Accident (BTA) programs for groups as small as two employees.  Benefits can be written based on employee classification and include benefits for accident medical expenses, disability, and include worldwide travel assistance benefits.