Global Underwriters’ international resources and expertise are designed to help businesses and organizations understand how to mitigate the complexities of certain global travel risks, while also educating them on international insurance, security matters and navigation of certain compulsory requirements where you are conducting international business. We offer an innovative portfolio of multinational insurance products that respond to these and many other international risks.
Most businesses and organizations understand the legal exposures they face here at home, but when they venture to other countries, they will come across many laws, languages and customs that are unfamiliar to them. Domestic insurance does not adequately respond to certain risks businesses and organizations will encounter while traveling or operating outside of the U.S.
Failure to fully evaluate and understand international insurance needs could result in unexpected financial losses, costly gaps in insurance coverages, and legal issues. Global Underwriters takes great pride in educating businesses about the complexities of international risks while simultaneously providing valuable resources and enterprising insurance solutions for your business or organization.
Mitigating risk is essential to the vitality of any business or organization, but it is particularly important when companies have sales, operations, property and personnel working internationally. Global Underwriters’ Foreign General Liability (FGL) package includes foreign general liability with optional foreign workers compensation, foreign auto, travel accident, global marine cargo, crime and even kidnap and ransom coverage. We also offer foreign property coverage for businesses and organizations renting or purchasing building space abroad.
Unfortunately, domestic general liability policies do not respond to third party claims and lawsuits filed in another country. Global Underwriters Foreign General Liability Packages are designed to respond to lawsuits filed in another country or here in the U.S., as long as the event took place outside of the United States. Talk with one of our product experts right now to make sure your business or organization is properly protected for international risks.
Foreign Commercial General Liability
Foreign Voluntary Workers Compensation
Foreign Auto Liability
Global Underwriters’ International Group Travel Medical policies are customized to meet the challenging needs of today’s small, medium, and multinational business. Unfortunately, most domestic group and individual health/medical policies do not provide adequate insurance coverage for work performed outside of the United States. Our International Group Medical plans are carefully designed to mitigate gaps in coverage and eliminate any duplication of benefits.
Global Underwriters offers tailored plans with multiple medical benefits, deductibles and co-insurance options to meet the immediate insurance needs of your business or organization. We also carefully consider the type of work being performed, location of work and any geopolitical issues that may affect your business operations. The health, well-being and safety of employees and group members is critical to any business, but we also consider mitigating the financial liabilities for your company or organization by educating you about current travel risk management strategies, “duty of care” obligations and implementing “best practice” procedures for the entire business.
Group Policy Highlights
Other Optional Enhancements
Kidnap, ransom and extortion are very real and continue to present threats to any U.S. business or organization traveling or working abroad. As international business continues to grow, companies and organizations are potentially exposed to wrongful detention, hijacking, kidnapping and political unrest even in countries considered relatively safe. In many countries, Kidnap & Ransom situations are opportunistic and commoditized, but things can turn violent quickly if you do not have the right crisis management protocols and response team on your side.
Global Underwriters’ Kidnap, Ransom and Extortion Insurance not only protects against financial loss and liquidation, but also provides worldwide resources and immediate access to services of leading crisis management and security consultants to manage incidents and threats to the policyholder. Our enhanced coverage further extends a number of benefits/services that are unique to the KRE insurance market:
We Also Cover
Contact one of our international experts for a confidential call about the different types of plans and services available. We look forward to working with you and we appreciate your business.
Global Underwriters Business Travel Accident (BTA) insurance was developed to help protect your business or organizations most valuable assets, which are your employees or group members. BTA coverage is designed to mitigate certain financial, travel and security risks by meeting current “duty of care obligations” and implementing “best practice” procedures for both domestic and international business travel.
These plans will cover both U.S. and foreign employees (group members) of U.S. based businesses and organizations. Additionally, coverage can be tailored to match the corporate risk profile of any organization, which means the plan is carefully designed, underwritten, and implemented with proven Travel Risk Management (TRM) strategies which help to ensure the safety and security of your business travelers.
Accidental Death & Dismemberment Benefit
Global Underwriters’ Business Travel Accident coverage is ideal for any business or organization that has domestic or international travel. Business Travel is never routine and may present organizations with unique challenges when things don’t go as planned or a crisis develops because of an accident or an unexpected emergency. Employers have an obligation to provide a safe and secure working environment for their employees even when they are traveling. Accidental Death & Dismemberment benefits are distributed in a lump-sum and payable above and beyond any other form of life insurance or workers compensation scheme. Additionally, these benefits can help mitigate certain general liability exposures for the business or organization.
Emergency Air Evacuation & Repatriation Benefits
Emergency Medical Air Evacuation is one of the most important benefits included as part of a Business Travel Accident policy. Many group health plans do not adequately pay for Medical Evacuations if you are out of network or traveling abroad, and virtually none of them will make the necessary arrangements to coordinate and pay for the actual evacuation. Emergency Medical Air Evacuation is necessary for critical medical conditions that need immediate attention or transportation from the point of injury (whether it is a remote location or away from a densely populated area) to an adequate medical facility. That is why it is so important to have a policy that responds immediately to these types of emergency situations. Communication and coordination between the insured, medical team, medical facility and the assistance company are critical to the success of any Emergency Medical Evacuation or Repatriation back to your home city or country.
24-Hour Multilingual Worldwide Assistance Services
Language barriers, unfamiliar cultures and scarcity of quality health care facilities and providers can cause anxiety to anyone residing or traveling overseas. When a crisis or an emergency situation presents itself, it’s nice to know that one call does it all as far as getting you immediate assistance anywhere in the world. Highly experienced U.S. certified medical staff and doctors are always prepared to provide prompt, efficient and seamless professional service.
Global Underwriters offers an impressive portfolio of comprehensive Global Benefits that meet the changing needs of today’s small, medium and multinational businesses with globally mobile populations. Global businesses are faced with unique challenges and unforeseeable risks for employees traveling or on assignment abroad. Global Underwriters’ International benefits deliver both Global Health Care insurance solutions and Travel Risk Management strategies for any U.S. based multinational company with employees or group members assigned abroad.
Seamless plan designs are available worldwide and allow the client to pick and choose from several different pre-designed plans which offer a low, medium and high benefit option, or we can customize a plan to meet the specific needs of the client. Global Benefits include, but are not limited to – Medical, Life, Long Term Disability, Dental (LTD), Vision, Portability, Business Travel, Medevac/Repatriation, Travel Assistance, Crisis Management and a variety of other Travel Risk Management strategies and services.
Attracting and retaining productive employees is essential for any business or organization with a Globally Mobile population. The complexities of navigating and managing certain geopolitical issues, language barriers, cultural differences and compliance requirements in different countries can be a daunting task for any multinational company. Global Underwriters’ International Expat Benefit solutions are designed to make the process easy, efficient and seamless. We know your employees are your most important asset, so all of our Global Benefits, ancillary products and services carefully consider current “duty of care obligations” and “best practice” procedures for your company.
“Global Underwriters really helped us understand some of the gaps in coverage and they quickly pointed out areas where we were either uninsured or underinsured for international risks, we really appreciated all their help. Thank you!"
- Wesley (Florida, USA)