Property & Casualty — Commercial
Foreign Liability Insurance
Your domestic policies stop at the border. Your business doesn't.
Foreign liability insurance — also known as international liability or global insurance — extends your commercial coverage to operations, employees, and activities outside the United States. Standard domestic policies are written for U.S. jurisdictions and typically do not respond to claims arising overseas. If your business operates internationally in any capacity, foreign liability coverage is essential.
What's Covered
- Foreign commercial general liability — bodily injury and property damage abroad
- Foreign voluntary workers' compensation for U.S. employees working overseas
- Foreign auto liability for vehicles owned or hired outside the U.S.
- Foreign employer's liability for local national employees abroad
- Kidnap, ransom, and extortion for employees traveling to high-risk regions
- Business travel accident and medical evacuation for international travelers
- Repatriation of remains in the event of an employee death abroad
Why It Matters
Legal systems, tort standards, and regulatory requirements vary enormously from country to country. A U.S. insurer is not licensed to pay claims in many jurisdictions, leaving your business and employees exposed even if you believe you're covered. A properly structured international program ensures that coverage responds in every country where you operate — with admitted local policies where legally required.
Common Questions
Does my domestic CGL follow my employees overseas?
Generally, no. Standard CGL policies contain geographic limitations and are written under U.S. law. If an employee causes damage or is injured abroad, your domestic policy may not respond at all. Foreign liability coverage fills this gap.
What is a controlled master program?
A controlled master program is a coordinated structure combining a U.S. master policy with locally admitted policies in each country of operation. It ensures seamless coverage, local legal compliance, and coordinated claims handling across all jurisdictions.
Do I need foreign coverage for occasional business travel?
Yes. Even employees on short-term overseas trips create exposure that your domestic policies won't cover. Foreign voluntary workers' comp and foreign general liability are often written as annual policies regardless of trip frequency.
Ready to get covered?
Talk to one of our advisors about the right policy for your situation. No pressure, no jargon — just honest guidance.