General Liability

Doing business overseas leaves you open to risks not recognized in the United States, and foreign laws that apply to insurance vary widely from country to country. If you fail to comply with local laws, you risk fines, criminal investigations, and prosecution with penalties as severe as being banned from doing business in the country. Being uninsured in this situation is risky at best.

You need a broker who can provide you with an insurance program that, while complying with foreign laws, will protect your business at the same level of insurance available in the United States.

Types of General Liability Coverage

• Premises Liability provides bodily injury and property damage coverage from claims made by a third party for sales trips and/or your locations and operations outside of the United States.
  
  
• Products/Completed Operations Liability provides coverage for bodily injury and propertydamage claims arising from your products or services performed for others.
  
  
• Medical Payment provides no-fault medical coverage similar to the insurance you purchase in the United States.
  
  
• Employee Benefits Liability provides protection for mistakes made in the administration of your employee benefits for employees working outside the United States.

Benefits of General Liability Coverage

• Provides certificates of insurance, additional insured, and vendor’s endorsements as required by clients, suppliers, landlords and foreign laws.
  
  
• Proves compliance with local laws, thereby avoiding penalties, fines, criminal charges, and preserves relationships with foreign governments and business communities.
  
  
• Reduces costs by offering local claims service to process claims.

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.