Specifications

Contacts: 

Debbe Malin
301-951-5418
Deborah.L.Malin@Schinnerer.com

Tamara Twittty
Tamara.L.Twitty@Schinnerer.com
301-951-6921

Minimum premium: $2,500

Availability: In all states and the District of Columbia

Target Risks: U.S. based businesses with 5 - 500 employees and annual worldwide revenues up to $500 million that have employees who work and/or sell products overseas.

Program Features:

• Commercial General Liability (GL). There may be gaps in coverage when employees travel overseas, international coverage helps avoid those risks.
• $1 million per occurrence BI/PD and per claim for employee benefits liability
• $2 million aggregate for products-completed operations
• $1 million aggregate for personal & advertising injury
• $1 million premises damage each occurrence

• $10,000 medical expense limit per person

• Commercial Auto: Businesses operating in other countries often buy, lease or rent vehicles for use by traveling employees. This optional coverage protects financial assets.
• $1 million each accident, combined BI/PD single limit

• Hired and non-owned physical damage limit $25,000 per accident/$25,000 per policy period

• Employers Responsibility: Covers employees for foreign voluntary compensation and medical evaluation, providing timely assistance when it is needed most.
• Foreign voluntary compensation: statutory worker’s comp benefits
• Employer’s liability: $1 million BI to employees for accident or endemic illness
• Medical evacuation/repatriation: $1 million

• Coverage available for U.S. nationals, third country nationals and local nationals.

Program Features (cont):

• Executive Assistance Services: Includes assistance for:
• Medical
• Personal
• Travel 
• Security
  
• International Medical and Accidental Death and Dismemberment (AD&D) insurance: true 24-hour protection for overseas travelers.
• $25,000 per covered persons
• $1.5M aggregate limit
  
  
• Kidnap & Extortion: companies face a growing kidnapping risk. Our protection provides:
• Extortion/Ransom: $50,000 each loss, no annual aggregate
• Kidnap and Extortion expenses: $50,000 each loss, no annual aggregate
• Legal costs: $50,000 each loss, no annual aggregate
• Other coverages include: in transit extortion/ransom money lost, detention expenses, medical, death or dismemberment, incident response 
• Three-year policies available with a discount for payment in full at the beginning of the policy term

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