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
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
- 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
- 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.