Does K&R Cover Employees?
Yes, employees are the core insured group: Chubb's K&R covers all employees and their direct family members, 24/7, whether or not they're traveling for work.
Yes. Business K&R is written to protect your people, and Chubb's primary K&R product defines insured persons broadly as all employees plus their direct family members. Its cover runs 24/7 with no requirement that the travel be work-related.
Other forms may be narrower, for example covering only scheduled executives. Travelers publishes its K&R application and sample insuring agreement, so you can see what a carrier asks about your workforce before you apply. Check whether contractors, temporary staff and subsidiaries count, and keep headcount and locations current on the application.
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