Foreign Liability Insurance

What is Foreign Liability Insurance?

Foreign liability insurance, also known as international liability insurance, is beneficial if a business has employees who travel outside of the United States on company business or employees that live in other countries, they need to purchase an foreign liability insurance policy. This policy is designed to mirror the same commercial insurance program that the company has in place for its domestic operations.


Certain countries require that the business purchase “admitted” coverage provided by a local broker who is licensed to sell coverage in that country. Failing to have the proper coverage can lead to fines and penalties as well as uninsured claims as most U.S. insurers will deny claims if filed in the courts outside of the United States. Working with an experienced broker who understands each country’s rules and regulations is important to keep the business and its employees protected while working abroad. 

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What Does Foreign Liability Insurance Cover?

These coverages collectively provide a safety net for businesses and their employees, addressing various scenarios and potential challenges that may arise during international operations.

This coverage offers protection against third-party claims for bodily injury, property damage, or personal injury that occur in foreign locations.

Offers coverage for claims arising from products sold or distributed in foreign markets that cause harm or damage.

Professional Liability

This offers coverage for claims related to errors, omissions, or negligence in professional services provided abroad.

If your business rents, leases, or owns vehicles for company use, this coverage protects against liability claims arising from accidents involving those rented, leased or owned vehicles while operating internationally.

Provides compensation to employees injured while working abroad, covering medical expenses and lost wages.

Environmental Liability

This coverage is for pollution-related claims and cleanup costs incurred in foreign locations.

Kidnap & Ransom

Addresses the risks of kidnapping, extortion, and ransom demands, offering resources for crisis management and negotiation.

Legal Defense Costs

Coverage for legal expenses incurred in defending against covered claims in foreign courts.

Who is International Liability Insurance For?

If any of the following situations applicable to your business, you should consider foreign liability insurance:


  • Do you engage in foreign sales, imports, or exports?
  • Do you have employees who travel abroad for business purposes?
  • Are you involved in overseas facilities, licenses, subcontracting, or joint ventures?
  • Are you working with foreign suppliers?
  • Is your payroll managed outside the U.S.?
  • Are you leasing vehicles beyond the borders of the U.S. or Canada?
  • Are you exporting goods or services?
  • Do you transport property internationally, including at foreign trade shows?
  • Are you outsourcing work to subcontractors located outside the U.S. or Canada?
  • Do you own or operate locations such as sales offices or call centers outside the U.S. or Canada?
  • Are you stationing U.S. workers at international offices and/or hiring third-country or local nationals?


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