[ksaj]

When I worked at a bank, they used to send me between offices in a limousine. Not because they have so much money, but because I was still working and therefore insured while in a limo, and not insured if I took a taxi or public transit.

I'm sure this is exactly the same issue at play.

[detaro]

In Germany, you would be insured either way, as long as it's direct business travel.