Liability Coverage for International Corporations, Non-Profits, and Organizations
If your company or organization sponsors international trips, you are aware that various risks are associated with global travel. Some risks are greater than others and will vary based on the destination country, the number and age of travelers, and the types of activities they will participate in, among other things. To offset those risks, you must ensure you have a foreign general liability plan to protect your organization.
Foreign General Liability Insurance for International Organizations
- Protect your overseas operations and teams from global liability risks
- Work with our experts to tailor coverage for your organization
Why Purchase Foreign General Liability Coverage
Your existing corporate liability plan may not cover you for legal expenses and lawsuits brought in overseas courts. Traveling to foreign countries presents several challenges, including corrupt officials, crime, unfamiliar laws, languages, and customs. US organizations have no protection if they are taken to an international court of law. Protect your organization with a good Foreign Liability Plan.
Coverage Included in an International Corporate Liability Plan
General Liability is defined as,
A specialty policy for an insured’s liability for foreign operations arising out of a permanent branch office, manufacturing facility, or other operation located in another country. The commercial general liability (CGL) policy provides coverage for incidental exposures—for example, when an executive (or group of employees)…occasionally travels overseas for business trips. For permanent operations in foreign countries, a separate foreign liability policy is required.
International Risk Management Institute, Inc.
These plans will come with a selection of benefit options, allowing you to choose either an off-the-shelf package or design a plan tailored to your needs.
Benefits and coverages typically include the following:
- General Liability Insurance
- Non-Owned and Hired Auto
- Kidnapping and Ransom (K&R)
- Emergency Medical Evacuation
- Political Risks
- Errors and Omissions ($ back from the client)
- Volunteer Workers Comp
- Accidental death and dismemberment
Key Benefits of Coverage and Benefits Explained
Foreign Voluntary Workers’ Compensation / Employers’ Liability
This program features workers’ compensation for expatriate employees and volunteers on permanent or temporary assignments abroad. Excess repatriation and endemic disease are included in this coverage.
- It covers occurrences outside the U.S. where U.S. workers’ compensation does not apply.
- The employer’s liability coverage includes accidents or diseases contracted outside the United States, with a $1 million limit per occurrence.
Foreign General and Employers’ Liability Plans
- Employer liability insurance protects businesses and organizations from legal actions arising from events occurring outside the United States. Our policies feature limits of up to $1,000,000 per occurrence, with aggregate limits from $2,000,000 to $5,000,000.
Foreign Commercial Auto Liability Insurance
- Essential insurance coverage for any company or organization that purchases, leases, or rents vehicles for employees working, traveling, or living abroad. This valuable protection is necessary for protecting your financial interests against lawsuits.
Foreign Commercial Property / Premises Liability
- This coverage is necessary for all international businesses with multiple property exposures. Coverage includes real and personal property, business interruption, property at exhibitions, and property while in transit to its destination.
Who Should Purchase International Liability Coverage?
Review your foreign liability plan if your organization:
- Has employees or volunteers who travel outside the U.S.
- Owns or leases vehicles outside the U.S. and/or Canada
- Exports goods or services
- Has or transports property outside the U.S. and/or Canada, including at foreign trade shows
- Outsourced work to subcontractors domiciled outside the U.S. and/or Canada
- Owns or operates locations, such as sales offices or call centers, outside the U.S. and/or Canada
- Stations U.S. workers at foreign offices and/or employ third-country or local nationals
We typically work with:
Expert Guidance on Commercial Liability Coverage Abroad
Any organization with international operations should regularly review its insurance coverage. Many companies either lack sufficient protection, leaving key risks uncovered, or hold overlapping policies that duplicate benefits and coverage. For example, an organization might have emergency evacuation coverage included in its general liability plan while also paying for a separate travel medical policy that provides the same benefit. This can result in gaps in protection or unnecessary expenses.
Our team can help identify coverage shortfalls, eliminate redundancies, and ensure your global insurance strategy is both comprehensive and cost-effective. Contact us for a review of your existing benefits and to address your questions about costs, coverage options, and other related matters.
Foreign General Liability Insurance for International Organizations
- Protect your overseas operations and teams from global liability risks
- Work with our experts to tailor coverage for your organization
Andrew Blomberg is the Vice President of Global Benefits at ICI, leading innovative insurance strategies for organizations worldwide. An MBA-educated, multi-licensed expert, he specializes in optimizing global benefits programs and guiding clients through complex challenges.
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