Risks with not purchasing an International Package policy
- Widespread coverage gaps in GL, WC, Auto, Medical, etc.
- Threat to the lives and health of your employees
- Reputation damage
- Increase in expenses and costs for any business or program
- Loss of ability to transact business in a specific country
Highlights
- Multiple coverage parts – GL, Workers Comp, Auto, Kidnap Ransom
- Coverage enhancements available from certain carriers
- Resources for international expertise
- Both standalone foreign package policies and controlled master policies available
Coverage Parts
Foreign Travel, Medical & Emergency Services
- Coverage can be extended to non-employees such as volunteers, spouses, etc.
- Emergency medical coverage (primary)
- Medical assistance for non-work related injuries
- Assistance with certain services including translation, negotiations, and evacuation
Foreign General Liability
- First response 24-hour coverage for business trips
- Employees hired overseas
- Repatriation
- Travel assistance services
Foreign Automobile
- Contingent auto liability for hired and non-owned autos
- Hired auto physical damage coverage
Kidnap and Ransom
- Access to prevention and response resources coordinated by firms that are industry experts
- Coverage for hostage negotiation & ransom demands
Typical Client Profile
- Companies with employees who travel internationally
- Companies with employees stationed in foreign countries (temporarily or permanently)
- International event attendees and exhibitors (conferences, trade fairs)
- Exporters
- Professional firms or other businesses that perform work overseas
- Sponsors of overseas trips, tours, or study abroad programs
- Companies with overseas sales offices or operations (owned or leased)
- Companies doing business via the internet (sale of goods or services)
- Educational Institutions and non-profit organizations
