International Personal Insurance for Your Expatriates
Protect your firm from liability, and retain and protect your employees.

Your expatriate employees are one of your most valuable assets. Being stationed overseas truly complicates their affairs, but you can help simplify their experience by providing U.S.-style of personal insurance protection.

Protect Your Firm

International Personal Insurance protects your company from unforeseen liability exposures and expenses that may arise.

• Property: Expatriate employees who suffer a loss of personal property may look to you for reimbursement.
• Liability: Third parties could make claims of liability based on an expatriate employee’s activities outside of work, and even seek payment from you in the absence of a personal liability insurance policy.

Protect Your Expatriate Employees

International Personal Insurance provides your expatriate employees with broad, U.S.-style insurance for financial loss arising out of property or liability losses. Overseas insurance policies are typically more limited in coverage. Coverage can include:

• Standard “All Risk” Replacement Cost coverage.
• Worldwide coverage—employees and their family members are covered wherever they go.
• Coverage for the cost of the storage of property in the United States until the expatriate returns home.
• Protection from acts of war and governments.
• Coverage for floods and earthquakes.
• Coverage for jewelry, fine arts, and other valuable items.

Simplify the Insurance Process

Obtaining personal insurance overseas can be a difficult process. We’ll help simplify the process by offering:

• Policies in English
• Premiums and claims can be paid in U.S. dollars or local currency.
• English-speaking service and claims representatives.
• Coverage set up before a move.
• Claims paid directly to bank accounts in any country.

This description of coverage is not an insurance contract. Your policy is the contract that specifies and fully describes your coverage. Conditions and exclusions will apply. Not all coverage described is available in all states.