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

The ACE USA International Advantage® Package Policy is the ideal insurance solution for U.S.-based companies doing business overseas. This single, easy-to-read property & liability policy can be tailored to include some or all of the coverages listed below, and protects against the many financial and personal risks confronting organizations with operations outside our nation's borders.

Latest Enhancements: Advantage Package includes primary voluntary comp with the Employers Responsibility coverage, $50,000 of automatic Kidnap and Extortion coverage and $25,000 of automatic AD&D coverage for employees. These automatic coverages are available at no additional charge. Other K&E and AD&D limits & coverages are available as options.

Coverages & Services

• Commercial General Liability
• Employers Responsibility
• Executive Assistance® Services including Repatriation
• Commercial Auto Liability
• International AD&D and Medical - Employee
• Commercial Property and Business Income
• Kidnap & Extortion
• International AD&D and Medical - Student and Chaperone

Commercial General Liability

• Domestic GL policies cover lawsuits brought within U.S. borders only.
• U.S. companies operating overseas have no safety net if taken to court.
• Coverage
• Bodily injury (BI) and property damage (PD) liability
• Employee benefits liability
• Personal and advertising injury liability
• Medical payments
• Features
• Covers suits brought overseas for events occurring outside U.S.
• Also covers suits brought in U.S., when event occurs outside U.S. borders.
• Coverage is on pay-on-behalf-of or to-indemnify basis.
• Premises damage is on all risks basis.
• GL coverage is mandatory when Employers Responsibility coverage is not purchased as part of ACE USA International Advantage® Package Policy.
• Limits
• $1 million each occurrence bodily injury/property damage & per claim for employee benefits
• No general aggregate
• Includes non-owned & rented automobile and contingent employers liability
• $1 million aggregate for products-completed operations
• $1 million aggregate for personal & advertising injury
• $10,000 per person/$1 million each occurrence for medical payments

Employers Responsibility

• Accidents and illnesses occur when employees travel overseas.
• Businesses need a way to protect against employee-filed lawsuits for accidents or diseases contracted outside the U.S.
• Business travelers often require timely assistance with medical, personal, travel or security matters while overseas.
• Coverage
• Voluntary compensation (overseas version of workers comp)
• Employers liability
• Repatriation
• Features
• Voluntary compensation – available to U.S. & non-U.S. employees to cover occurrences outside the U.S. where U.S. workers' comp does not apply.
• Employers liability – covers accidents or diseases contracted outside U.S.; claims/suits may be brought anywhere.
• Medical evacuation/repatriation – one of the Executive Assistance® emergency travel services available to employees covered by this policy.
• Employers responsibility is mandatory coverage when commercial general liability is not purchased as part of ACE USA International Advantage ® Package Policy.
• Limits
• Voluntary compensation – statutory workers comp benefits
• Employers' liability – $1 million bodily injury to employees for accident or endemic illness
• Medical evacuation/repatriation - $500,00 policy limit

Executive Assistance® Services including Repatriation

• Employees of covered multinational organizations living outside their home country.
• "U.S. expatriate employees"
• "Employees" engaged in "temporary travel" outside the U.S., including accompanying spouse, child(ren) or other companion(s)
• Medical Assistance through Worldwide Assistance
• Emergency medical evacuation – when adequate medical facilities are not available locally
• Repatriation – to country of which employee is resident/citizen, when medically necessary
• Hospital admission deposit – USD $10,000
• Medical monitoring – including regular communication to person designated by employee
• Dispatch of doctor or specialist – when employee's condition cannot be adequately assessed locally
• Personal Assistance through Worldwide Assistance
• Pre-trip medical referral information – to multi-lingual doctors and/or addresses and phone numbers for hospitals
• Emergency medication – arrangements for transportation
• Embassy and consular information
• Lost document assistance – for replacing important documents such as passports and credit cards
• Emergency message transmission – To one family member and/or employer
• Emergency cash advance – Up to $1,000 in local currency for emergencies
• Access to local attorneys
• Emergency translation/interpreter services and referrals
• Benefits verification & claims assistance – to coordinate with overseas claims procedures
• Travel Assistance (when an employee is hospitalized or evacuated) through Worldwide Assistance
• Return of traveling companion/dependents
• Return of vehicle to rental agency
• Emergency family travel arrangements – for family members to join hospitalized employee
• Security Assistance through Control Risks Group
• Travel security information – access to Control Risks Group's CityBrief, online service updated daily that assesses local security conditions and other details on 300+ cities in 150+ countries.
• CR24 – security support center staffed by professional consultants trained to answer security-related questions.
• Crisis response – incident management consulting for clients facing actual kidnaps, extortions, and illegal detention of employees. (Service arranged by Control Risks Group but costs are not covered under the policy)

Commercial Auto Liability

• In most foreign countries, admitted auto insurance often fails to provide U.S.-style coverage or limits.
• To bring liability protection up to U.S. standards, companies who own, hire, or maintain cars overseas often purchase a difference-in-conditions policy.
• Coverage
• Auto bodily injury
• Property damage liability
• Limits
• $1 million each accident
• Single limit for combined bodily injury/property damage
• Features
• Commercial auto liability is optional coverage available as part of the ACE USA International Advantage® Package policy.
• Covers accidents worldwide where permitted by law; excludes accidents occurring in U.S.; claims/suits may be brought anywhere.
• Applies to any auto of insured, including owned, hired and non-owned vehicles.
• Makes up for sub-standard coverage in any foreign auto insurance.
• Coverage is pay-on-behalf-of where permitted by law; otherwise on indemnification basis.
• Also provides hired auto physical damage coverage – limits of $1,000 per accident and $10,000 per policy

International AD&D and Medical – Employee

• Employers must protect employees traveling or stationed overseas against financial loss from injury and illness occupational or otherwise.
• Domestic and foreign voluntary workers' compensation plans often leave employees with less than adequate coverage.
• Advantage Package now includes $25,000 of automatic AD&D coverage at no additional charge. Other AD&D limits & Medical or Family coverage are available as options.
• Coverage
• Accidental death & dismemberment
• Medical expense
• Limits
• AD&D for employee – $100,000 or $250,000 are available
• AD&D for spouse – $50,000; for child – $25,000
• Medical expense for employee, spouse or child – $10,000 or $25,000 are available
• Features
• Medical and AD&D are optional coverages available as part of the ACE USA International Advantage® Package policy; both work in conjunction with domestic and foreign voluntary workers' compensation.
• Both products extend coverage to personal side trips (up to two weeks) in conjunction with business travel.
• Medical expense provides first dollar coverage for spouse and children traveling with employee.
• AD&D provides 24 hour door-to-door coverage from time employee and covered family members leave home until they return.
• Medical Benefits
• Pays 100% of "reasonable and customary" in-hospital and outpatient charges ($50 deductible per occurrence)
• Provides up to $500 coverage per calendar year for pre-existing conditions
• Includes $1,000 coverage per occurrence for dental expenses resulting from an accident or injury
• Pays $250 per occurrence for local ambulance service
• AD&D Benefits
• Pays 100% of principal sum for loss of life
• Pays 100% of principal sum for loss of combination of any two eye(s), hand(s) or foot/feet
• Pays 50% of principal sum for loss of one eye, hand or foot
• Pays 100% of principal sum for loss of speech and hearing
• Pays 50% of principal sum for loss of speech or hearing

Commercial Property and Business Income

• International businesses face property exposures of all types and sizes.
• Overseas jurisdictions require specific policies and extensions that only international insurance companies can provide.
• Coverage
• Buildings
• Personal property
• Personal property in transit
• Personal property on exhibition
• Sales samples
• Business income
• Incidental Cargo
• Limits
• Single international locations with values up to $30 million
• Total international values up to $125 million
• Features
• Commercial property & business income are optional coverages available as part of the ACE USA International Advantage® Package policy
• No co-insurance provision
• Built-in inflation guard

Kidnap & Extortion

• As global commerce grows, risk of kidnapping increases for corporate executives, key employees, wealthy citizens, and their families.
• Any U.S. firms that do business internationally, not just high-profile multinationals, are prime targets for extortion attempts by opportunistic criminals.
• Advantage Package now includes $50,000 of automatic Kidnap and Extortion coverage at no additional charge. Other K&E limits & Church or Educational coverage are available as options.
• Coverage
• Kidnapping & alleged kidnapping for ransom
• Bodily injury extortion
• Property extortion
• Product adulteration extortion
• Proprietary information extortion
• Limits
• Automatic $50,000
• Options from $250,000 to $5 million
• Features
• Kidnap & Extortion automatic & optional coverage available as part of the ACE USA International Advantage® Package policy.
• Prevention and response efforts coordinated by Neil Young Associates, recognized world leader in special risks market with highly successful intervention record.

International AD&D and Medical - Student and Chaperone

• Colleges and universities must protect students and chaperones traveling overseas against financial loss from injury and illness.
• Domestic and foreign voluntary workers' compensation plans often leave touring individuals with less than adequate coverage.
• Coverage
• Accidental death & dismemberment
• Accident and sickness medical expense*
• Medical evacuation/repatriation, including Executive Assistance® services *Coverage is on a secondary basis. For primary accident & health coverage, please contact your International Advantage® representative.
• Limits
• AD&D – $10,000, $25,000 or $50,000 are available
• Medical expense – $10,000 or $25,000 are available
• Medical evacuation/repatriation – $50,000 per covered person
• Features
• Medical and AD&D are optional coverages available as part of ACE USA International Advantage® Package policy; both work in conjunction with domestic and foreign voluntary workers' compensation.
• Coverage extends to personal side trips (up to two weeks) in conjunction with college/university-sponsored tours.
• Provides 24-hour door-to-door coverage from time students/chaperones leave home until they return.
• AD&D compensates for injuries resulting in death or loss of eye(s) and/or limb(s), speech and/or hearing up to 12 months after accident.
• Executive Assistance® provides students and chaperones overseas with place to turn in emergency situations.
• Medical Expense Benefits Schedule
• Pays 100% of "reasonable and customary" in-hospital and outpatient charges ($50 deductible per occurrence)
• Provides up to $500 coverage per calendar year for pre-existing conditions
• Includes $1,000 coverage per occurrence for dental expenses resulting from an accident or injury
• Pays $250 per occurrence for local ambulance service
• AD&D Benefits Schedule
• 100% of principal sum for loss of life
• Pays 100% of principal sum for loss of combination of any two eye(s), hand(s) or foot/feet
• Pays 50% of principal sum for loss of one eye, hand or foot
• Pays 100% of principal sum for loss of speech and hearing
• Pays 50% of principal sum for loss of speech or hearing

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.