Foreign General Liability and Travel
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Product Summary
InsuranceNoodle offers three types of international coverage from AIG WorldRisk to protect the insured's foreign exposures and fill the gaps that domestic insurance policies do not cover.
- Foreign Travel, known as Foreign Traveler from AIG WorldRisk, provides coverage for foreign travel only (i.e., no sales are covered).
- Foreign General Liability, known as Foreign Defender from AIG WorldRisk, provides coverage for foreign sales only (i.e., no travel is covered).
- Foreign Travel and General Liability, known as TravelPakŪ from AIG WorldRisk, provides coverage for foreign travel and foreign sales.
What's Covered?
The coverage provided varies by the type of foreign policy needed to properly cover the exposures of US-based, for-profit businesses that travel and/or sell products overseas.
- Foreign Travel/Foreign Traveler includes Employer's Responsibility (Contingent Foreign Voluntary Workers' Compensation and Employer's Liability), Travel Accident Sickness, and Kidnap & Ransom. Restrictions apply to the duration of each trip and number of employees allowed on any one flight.
- Foreign General Liability/Foreign Defender includes Premises/Operations & Products/Completed Operations; this is General Liability coverage for products sold overseas, with total annual foreign revenues up to $2,000,000. Businesses with foreign travel or foreign locations are not eligible.
- Foreign Travel and General Liability/TravelPakŪ includes General Liability (excluding products), Employer's Responsibility (Contingent Foreign Voluntary Workers' Compensation and Employer's Liability), Travel Accident Sickness, Auto Liability, for Hired and Non-Owned Autos, Foreign Business Travel Property, and Kidnap & Ransom. Restrictions apply to the duration of each trip and number of employees allowed on any single trip.
What Isn't Covered?
Six or more trips to foreign countries within the policy year (restrictions apply for length of each trip), total worldwide sales in excess of $25mm, and prior foreign claims are not acceptable. Travel and/or sales to certain countries/territories are prohibited.
What Affects the Cost of the Policy?
No specific criteria affect the premium.