International Insurance

Regardless of your size, any company based in the USA that travel or do business outside the U.S. face risk when:

1. Employees travel outside of the U.S.
2. Employees are temporarily or permanently located outside of the U.S.
3. Sales office or other operations are located outside of the U.S.
4. Products or services are sold outside of the U.S.

Standard U.S. Policies May Not Be Sufficient To Cover Foreign Exposures

• The standard business insurance policies that are sold in the U.S. do not cover many of the exposures to lawsuit or employee injury that may occur outside of the U.S
• Manufacturers and distributors that sell products outside of the U.S. may be sued in foreign jurisdictions and as a result will need Foreign General Liability coverage. A U.S. based General Liability policy only covers lawsuits for foreign injuries that are filed in U.S
• Employees who are temporarily outside of the U.S. may be injured on the job and may need a special type of coverage for emergency evacuation to adequate medical facilities, repatriation of remains in the event of death, or coverage for endemic diseases.
• Employees who are permanently located outside of the U.S. will need Foreign Workers' Compensation coverages.

Purchasing Foreign General Liability quite often results in a REDUCTION of your US General Liability policy.