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Global Benefits USA
 Foreign Commercial Insurance Products 

The global marketplace puts unusual demands and uncertain risks 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 Benefits LLC commercial portfolio of international insurance products can reduce the risks associated with conducting business outside the U.S. One of our international insurance specialists is ready to address your international insurance needs.

Please fill out a FGL Application for a quote (if asked, open in Abobe Acrobat):

Send quote form via email to James D. Smith at or via fax 877.662.7273.

Questions?  Call James at 888.541.7776 or 513.745.9758 or email at


Foreign Voluntary Worker's Compensation & Employers Liability
Workers Compensation Benefits for expatriate employee(s) 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 comp does not apply
  • Employers’ Liability – covers accidents or diseases contracted outside U.S $1Million limit per occurrence.

Defense Base Act (Group & Individual)
Statutory worker’s compensation for any company awarded a U.S. government contract where employees and subcontractors are required to work outside the U.S. Vital and mandatory - Failure to obtain DBA insurance carries stiff penalties and creates serious liability issues for an employer.

Coverage and suggested products include:

  • Supplemental Accidental Death & Dismemberment is strongly suggested
  • International Medical/ Evacuation, Repatriation & Emergency Reunion
  • War Hazard Act & Zone of Danger Doctrine

Foreign General Liability & Employers Liability
Employers Liability insurance: Protecting businesses and organizations against legal actions arising from events, occurring outside the U.S.

  • Primary limits up to U.S. $1million per occurrence
  • Aggregate options up to U.S. $2million with increased limits up to $5 million available

Foreign Commercial Auto Liability Insurance

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

Foreign Commercial Property & Premises Liability

Necessary coverage for all types of international businesses with multiple property exposures. Coverage includes: real and personal property, business interruption, property at exhibitions and 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 coverage. Optional coverage available for named perils or all risks.

Kidnap & Ransom / Extortion Insurance

Intelligence, prevention, and response – a must have for any group or individual traveling to global hotspots, where there is political and economic instability.

Political Risk & Evacuation Insurance

Customized global political risk insurance: For preventing the loss of property, financial assets and people because of political instability or violence.

War & Terrorism Insurance

Optional blanket coverage that can be added to most group or individual products

Travel Accident and Sickness

Provides an Accidental Death and Dismemberment (AD&D) and Travel Medical benefit. This benefit also provides vital 24/7 Emergency Medical Assistance – you can call anytime, anywhere, and speak to someone for advice or help.