International P/C Highlights

Minimum premium: $1,250

Availability: In all states and the District of Columbia

Target risks: U.S. based businesses with 5 - 500 employees and annual worldwide revenues up to $500 million that have employees who work and/or sell products overseas.   


Commercial General Liability 

There may be gaps in coverage when employees travel overseas, international coverage helps avoid those risks. 

  • $1 million per occurrence BI/PD and per claim for employee benefits liability
  • $2 million aggregate for products-completed operations
  • $1 million aggregate for personal & advertising injury
  • $1 million premises damage each occurrence
  • $10,000 medical expense limit per person 

Commercial Auto

Businesses operating in other countries often buy, lease or rent vehicles for use by traveling employees. This optional coverage protects financial assets.

  • $1 million each accident, combined BI/PD single limit
  • Hired and non-owned physical damage limit $25,000 per accident/$25,000 per policy period 

Employers Responsibility

Covers employees for foreign voluntary compensation and medical evaluation, providing timely assistance when it is needed most. 

  • Foreign voluntary compensation: statutory worker's comp benefits
  • Employer's liability: $1 million BI to employees for accident or endemic illness
  • Medical evacuation/repatriation: $1 million
  • Coverage available for U.S. nationals, third country nationals and local nationals

Executive Assistance Services 

  • Medical
  • Personal
  • Travel
  • Security

International Medical and Accidental Death and Dismemberment (AD&D) 

Insurance that provides true 24-hour protection for overseas travelers. 

  • $25,000 per covered persons
  • $1.5 million aggregate limit

Kidnap & Ransom Coverage

  • Extortion/Ransom: $50,000 each loss, no annual aggregate
  • Legal costs: $50,000 each loss, no annual aggregate
  • Other coverages include: in transit extortion/ransom money lost, detention expenses, medical, death or dismemberment, incident response
  • Three-year policies available with a discount for payment in full at the beginning of the policy term


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