Comprehensive International Group Health Insurance

Our comprehensive international group health insurance plan is the perfect solution for multinational companies looking to provide their overseas U.S. citizens and foreign nationals with an affordable U.S. style benefit program. All international employees can be placed under one plan for easy administration, and the coverage is portable, so changes in assignment won't mean a disruption in coverage.

Optional Coverages and Related Services Include:

• Dental, Orthodontic, Vision, Life, and Disability Benefits
• Accidental Death & Dismemberment
• War and Terrorism / Kidnap, Ransom, and Extortion Coverage
• Emergency Medical Evacuation and Repatriation
• 24 Hour Multilingual Global Assistance Services
• Flexible Adminsitration and Management
• Crisis Management
• Threat Awareness Program

Blanket International Group Medical Insurance

This plan offers customized blanket coverage for any business, corporation, or organization that has employees or group members traveling outside their home country for short or long periods of time. This comprehensive yet inexpensive insurance solution solves the problem of domestic health insurance limiting or excluding claims incurred abroad.

Optional Coverages and Related Services Include:

• Accident and Sickness Benefits
• Accidental Death & Dismemberment
• War and Terrorism / Kidnap, Ransom, and Extortion Coverage
• Emergency Medical Evacuation and Repatriation
• 24 Hour Multilingual Global Assistance Services
• Flexible Adminsitration and Management
• Crisis Management
• Threat Awareness Program

Business Travel Accident Insurance (Group and Individual)

Customized business travel accident insurance is a valuable supplement to any employee benefit program. This world class protection is designed to offset the risk associated with the potential loss of a key employee (or employees). It can also compensate the families of the employees for loss of income due to accidental death or permanent disability.

Optional Coverages and Related Services Include:

• Basic Accidental Death & Dismemberment
• Voluntary Accidental Death & Dismemberment (Employee Paid)
• War & Terrorism / Kidnap, Ransom, and Extortion Coverage
• Individual Coverage for Key Employees
• International Medical Insurance
• Emergency Medical Evacuation and Repatriation
• 24 Hour Multilingual Global Assistance Services
• Threat Awareness Program

Special Risk Insurance

This unique accident protection is flexible, affordable, and integrates perfectly into any existing benefit program. Tailored to your specifications, this coverage can mitigate the financial consequences associated with an injury to an employee or group member. It can work in conjunction with existing occupational coverage, international medical, business travel accident, or general liability plan, by filling the gaps when there are deductibles or by picking up medical payments when such general liability isn't available.

Optional Coverages and Related Services Include:

• Accident Medical Expenses
• Accidental Death & Dismemberment
• Weekly Accident Indemnity
• Paralysis and Coma Benefits
• 24 Hour Multilingual Global Assistance Services
• War & Terrorism Coverage
• International Medical

International Commercial Insurance

The global marketplace puts incredible demands on today's business travelers. Unfortunately, many businesses and organizations are misinformed about how their U.S. insurance policies will react if a claim occurs (or a law suit is filed) in a foreign country. With this in mind, Global Underwriters' commercial portfolio of international insurance products can reduce the risks associated with conducting business outside the United States.

Foreign Voluntary Workers' Compensation / Employers' Liability

This program features workers' compensation for expatriate employees and volunteers on permanent or temporary assignment abroad. Excess repatriation and endemic disease are included in this coverage.

• Covers occurrences outside the U.S. where U.S. workers' compensation does not apply.
• The employers liability covers accidents or diseases contracted outside the United States with a $1 Million limit per occurrence.

Defense Base Act (Group & Individual)

The Defense Base Act is statutory workers' compensation for any company awarded a U.S. government contract where employees and subcontractors are required to work outside the United States. Failure to obtain DBA insurance carries stiff penalites and creates serious liability issues for the employer.

Optional Coverages and Related Services Include:

• Supplemental Accidental Death & Dismemberment is Strongly Suggested
• International Medical / Evacuation, Repatriation, and Emergency Reunion
• Threat Awareness Program

Threat Awareness Program

With the increasing threat of personal assault or detention by criminals, terrorists, and foreign governments, it's more important than ever to ensure your personnel is properly educated and trained to avoid these dangers. Kidnapping for personal or political gain has become a major security issue for employees and contractors worldwide. From January 2006 through September 2007, over 8,200 of these incidents occurred outside of recognized war zones.

U.S. Longshore and Harbor Workers Compensation Act

This federal act was designed to provide workers' compensation benefits to employees, (other than seamen), who work in maritime employment upon the navigable waters of the United States, and who are usually considered outside the scope of state compensation laws. Seamen are subject to admiralty law under The Jones Act. Coverage for companies under both of these acts is available from Global Underwriters.

Foreign General Liability and Employers' Liability

Employers liability insurance protects businesses and organizations from legal actions arising from events occuring outside the United States. Our policies feature limits of up to $1,000,000 per occurrence with aggregate limits from $2,000,000 to $5,000,000.

Foreign Commercial Auto Liability Insurance

Essential insurance coverage for any company or organization that purchases, leases, or rents vehicles for employees working, travelling, or living abroad. This valuable protection is necessary for protecting your financial interests against lawsuits.

Foreign Commercial Property / Premesis Liability

This coverage is necessary for all types of international businesses with multiple property exposures. Coverage includes real and personal property, business interruption, property at exhibitions, and property while in transit to location.

Ocean Marine Cargo Insurance

This valuable insurance includes coverage for any goods on board ocean going vessels, temporary storage, and in transit to port for shipment. Optional coverage is available for named perils or all risks.

Kidnap, Ransom, and Extortion Insurance

When operating in political or geographical hot spots, kidnap and extortion are always a concern. With our kidnap and ransom insurance coverage, you will have one of the world's top negotiation and crisis management teams at your disposal as just one of the plan's many benefits.

Political Risk and Evacuation Insurance

This customized global political risk insurance policy is for preventing the loss of property, financial assets, and people because of political instability or violence.

If you are interested in learning more about any of these products, please call our special risk department at 1-800-423-8496 x19.