With a Foreign Liability policy in place, you can operate internationally with confidence – knowing your company, employees, and assets are properly protected.

What Does a Foreign Liability Insurance Policy Cover?

As businesses expand into global markets, the need for specialized insurance coverage becomes increasingly important. One crucial but often overlooked policy is Foreign Liability Insurance. At AnderGray Insurance Services, we help businesses navigate the complexities of international risk management to ensure your company is protected—no matter where it operates.

Understanding Foreign Liability Insurance

Foreign Liability Insurance is designed for U.S.-based businesses that conduct operations outside the United States. Whether you have overseas employees, attend international trade shows, own foreign assets, or simply sell products globally, this policy provides critical protection that a domestic policy does not.

What Does It Cover?

Foreign Liability Insurance policies typically include:

1. General Liability Coverage – Protects your business from third-party claims for bodily injury or property damage occurring outside the U.S., due to your products, operations, or employees.

2. Foreign Auto Liability – Covers hired or non-owned vehicles used by your employees while on international business trips. This can be especially important where local insurance requirements differ.  

3. Employer’s Liability – Provides protection if an overseas employee files a claim for a work-related injury that falls outside the scope of domestic workers’ compensation.

4. Travel Accident and Health Insurance – Ensures medical and emergency assistance coverage for employees traveling abroad, filling gaps that traditional health plans may leave uncovered internationally. 

5. Kidnap, Ransom, and Extortion – In high-risk areas, some policies can include protection and support in the event of a kidnapping or extortion attempt involving your employees.

6. Property Coverage – If your business owns or leases international properties—such as offices, warehouses, or equipment—foreign liability policies can include protection for those assets.

Why It Matters

Relying solely on your domestic general liability or business insurance policy can leave you vulnerable abroad. Many U.S. policies have territorial exclusions that limit or deny coverage for incidents that happen overseas.

Protect your global operations with the right insurance coverage. Contact AnderGray Insurance Services today to learn more about Foreign Liability Insurance and receive a customized quote tailored to your business needs. We look forward to being of service to you and your business! 

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