General Liability Insurance Including Products Liability Insurance For Manufacturers, Distributors, Installers, Importers, And Sellers Of Products. Save Up To 38%!

Manufacturers and Distributors Travel and Have Operations Around the World.
Check Out These Typical Foreign Claims That Can Occur and the International Advantage® Coverage Solution.

U.S.-based manufacturers and distributors often conduct business beyond U.S. borders.
The associated foreign travel and operations usually are trouble-free, but what happens when the unexpected emergency or catastrophe occurs?

Situations that are easily handled at home – such as traffic violations, fender benders, a lost wallet, or becoming injured or ill – can snowball when the language and local customs are unfamiliar. Yet too many U.S.-based manufacturers, distributors and other firms continue to rely on domestic comprehensive general liability for worldwide exposures, unaware that domestic coverages can fall woefully short when business is conducted outside the U.S.

Scenario # 1 Bodily Injury Liability Employee of a U.S.-based manufacturer accidentally tips a stack of materials at a Colombian warehouse, causing injuries to several workers of a Bogota-based sub-contractor. Resulting lawsuits are not covered under manufacturer's U.S. General Liability policy.

• Solution International Advantage® General Liability policy covers defense costs and judgment against U.S. firm.

Scenario # 2 Products Liability Metal disks manufactured by U.S. firm are made into bottle caps by German soda bottler. Cap blinds German child, whose family seeks damages from bottler and U.S. manufacturer.
Lawsuit filed in German courts is not covered under U.S. firm's General Liability policy.

• Solution International Advantage® General Liability coverage insures U.S. business against costly settlement – pays court costs when case dismissed.

Scenario # 3 Premises Legal Damages On trip to South Africa, executive for a U.S.-based distributor accidentally allows bathtub in rented high rise apartment to overflow. Resulting flood causes water damage to apartment and several floors below. Premises liability claim is not paid by employer's U.S. General Liability policy, which covers loss by fire but not flood.

• Solution International Advantage® General Liability covers premises damage to rented apartment from all perils.

Scenario # 4 Employers Liability U.S. manufacturer hires Australian heavy equipment operator to move product inside large warehouse in Nigeria. Equipment malfunction lands Australian in hospital, where medical expenses are covered under local compensation plan. Worker brings multi-million dollar legal action against employer for negligent equipment maintenance.

• Solution International Advantage® policy covers U.S. firm for defense against employee's suit.

Scenario # 5 Repatriation U.S. marketing manager on trip to China suffers broken hip and requires delicate operation to address life-threatening injuries. Evacuation to Hong Kong hospital is medically necessary for the employee to receive proper treatment.

• Solution International Advantage® policy pays repatriation costs under Executive Assistance® service.

Scenario # 6 Voluntary Compensation U.S. CEO touring company facility in Vietnam sustains serious injuries in auto accident. Since victim is not subject to U.S. workers' comp laws because of executive officer status, he has no coverage under his company's domestic workers' compensation policy.

• Solution International Advantage® covers CEO's medical expenses via voluntary compensation plan, as long as employer chose to provide benefits prior to accident.

Scenario # 7 U.S. Driver Not Covered Under Japanese Policy American manager of Japan branch of U.S.-based business lends car to employee, also an American. Driver causes accident with car carrying Japanese family, resulting in serious injuries and lawsuit against U.S. firm. Event not covered by rental company's policy.

• Solution U.S. firm's International Advantage® difference-in-conditions coverage responds to lawsuit, provided vehicle is used for company business.

Scenario # 8 Non-occupational Illness
Employee of U.S.-based software distribution firm travels to Australia to conduct audit in Sydney branch office. Worker suffers heart murmur in hotel room, is treated at local hospital, and pays bill with personal credit card. Back in U.S., employee's HMO refuses reimbursement for extra-territorial medical treatment.

• Solution International Advantage® medical insurance covers expenses and/or out-of-network charges if employee's does not, and guarantees payment to hospital.

Scenario # 9 Commercial Property – Office Equipment U.S.-based confectionary company maintains sales office in France. During severe thunderstorm, building's windows are blown out and office equipment is damaged by torrential rains.

• Solution: International Advantage® policy pays for property damage at covered location.

Scenario # 10 Commercial Property – Salesperson's Samples Employee of U.S.-based medical instrument manufacturer travels to Tokyo for international industry trade show. As salesman attends opening reception, thief enters hotel room and steals samples worth $5,000.

• Solution International Advantage® policy reimburses employer for loss of samples.

Scenario # 11 Kidnapping Executive of U.S.-based toy distributor travels to Panama to visit company-owned facility. On way from airport to hotel by taxi, she is abducted and held for $500,000 ransom.

• Solution International Advantage® policy covers ransom money and related expenses as a result of kidnapping. ACE USA, via Neil Young Associates, provides expert security consultant to evaluate situation, advise on possible options, and coordinate crisis management.

Scenario # 12 Product Alteration Extortion
U.S.-based manufacturer generates 25 percent of revenues from products sold in Europe. Spanish terrorist group contacts firm's New York headquarters and threatens to contaminate goods in European supply chain unless company pays $1 million.

• Solution International Advantage® policy reimburses extortion money paid by insured to deter terrorists from contaminating supply chain. ACE USA, via Neil Young Associates, provides priority crisis response and expert advice on managing incident to positive outcome.

The information provided is a summary and does not amend or alter in any way the terms, conditions, exclusions and limitations of the policy delivered. Please consult the policy for exact terms and conditions.

ACE USA's International Advantage® team specializes in providing foreign insurance programs and specialty products to mid- to large sized U.S.-based companies and organizations. This singular focus translates to expert service provided by skilled international underwriters and claims professionals. ACE USA is the U.S.-based retail operating division of the ACE Group of Companies. International Advantage® and Executive Assistance® are registered service marks of INA Corporation, a part of the ACE Group of Companies.