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


  • 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