International Insurance
Below
you will be able to request a quote and review definitions
for many of the international insurance coverages we offer.
If you are
looking for coverage you do not see below, please do not hesitate to contact
us and we will assist you.
Request
a Quote:
Definition
of Coverages:
Property
- Protects your assets while abroad. This could include real property (buildings),
personal property (contents), specialized property (computers), and business interruption.
Special consideration should be given loss of property due to political risk such
as confiscation, expropriation, or nationalization of foreign assets.
Liability
- Domestic liability policies provide limited worldwide liability coverage provided
the suit is brought in the United States. Chances are lawsuits for injuries and
damages caused overseas will be brought in foreign courts. This coverage protects
you from claims from bodily injury, property damage, personal injury, and product
liability.
Commercial
Automobile - The policy provides excess automobile liability over compulsory
coverage for auto accidents resulting from owned, non-owned, and hired automobiles.
Cargo
& Transit - Protects your property and product while in transit
from one location to another anywhere in the world. Whether you ship by land,
air, or sea, we have policies to meet your needs. Coverage may be extended to
cover the perils of war and terrorism.
Foreign
Voluntary Compensation - Domestic workers compensation policies exclude
injuries other than temporary travel occurring outside the United States. Foreign
voluntary compensation policy covers your employees while traveling or working
overseas. Policies can be endorsed to cover Third Country Nationals as well as
North Americans. Employer's liability may be provided for local Nationals. Policies
can include coverage for Endemic Disease and Emergency Repatriation Expenses.
Medical assistance benefits are provided to assist injured employees in
foreign countries. Services and counseling are available 24 hours a day, 7 days
a week.
In addition to medical benefits, employer's liability coverage
is included for the defense of lawsuits brought by employees or their dependents
resulting from employment related sickness or injuries.
Defense
Base Act - DBA coverage extends benefits payable under the U.S. Longshore
and Harborworkers' Compensation Act to injured employees on contracts requiring
DBA coverage. The Defense Base Act (DBA) was enacted to protect certain employees
who perform work as civilians outside the United States for the Federal Government
or any nation with which the United States has a common military or defense alliance.
Travel
Accident - Provides medical insurance for accidents and sickness while
traveling. Coverage options are available for business travel only or 24-hour
business and pleasure coverage. Coverage may be extended to provide evacuation
and repatriation.
Kidnap
& Ransom - This is an increasing risk to executives and employees
traveling abroad. In some countries this type of crime is rampant. Coverage is
provided for kidnapping, bodily injury extortion, property damage extortion, and
product extortion. In addition to providing funds for the payment of losses, the
services of professional international crisis consulting firms are provided.
Personal
Homeowners Abroad - When you live abroad your domestic homeowner's
policy may not provide coverage for property losses. We can provide coverage for
your personal and household belongings while you are living overseas. Valuable
items coverage and Personal Liability may be included at your option.
Personal
Automobile Abroad - Whether you are touring abroad for a short period
of time or planning an extended stay, we can assist you with insurance for your
automobile. Many countries have compulsory automobile liability coverage requirements.
In these cases we can provide excess liability coverage. In addition coverage
may be provided for comprehensive losses (fire, theft & vandalism) and collision
losses. If you are transporting your vehicle from the United States or Canada,
we can provide transportation coverage for your vehicle to and from its destination.
Crime
- The commercial crime policy covers, Employee Dishonesty, Forgery and Alteration,
and loss of Money & Securities due to destruction, disappearance or wrongful
appropriation.
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