Foreign Commercial General Liability
Primary US $1mil per occurrence / US $2mil aggregate
Limits available to US $10mil

• Foreign Commercial Auto Liability (owned/hired/non-owned - excess of compulsory) 
  Limits US $1mil B.I./Limits US $1 mil P.D. per occurrence

• Foreign Voluntary Workers’ Compensation / Employer’s Liability
  WC Benefits – Canadian/US State of Hire. Incl. Endemic Disease
  Employers Liability – US $1 mil limit per occurrence / disease
  Repatriation up to US $100,000 / no aggregate   

• Foreign Property – Real & Personal Property, BI, Property at Exhibition / In Transit

• Marine Cargo and War Risk
  US $100,000 any one vessel or conveyance in any one occurrence

• Foreign (location) Comprehensive Crime
  Employee dishonesty, disappearance and deposits forgery up to US $25,000 per occurrence / US $50,000 aggregate. Includes loss inside/outside the premises

• Kidnap & Ransom / Extortion – responds to foreign & domestic events
  *Limit – US$

• Foreign Travel Accident & Emergency Medical Expense
  AD&D up to US $250,000 per person – Medical Expense to US $125,000. Includes Emergency Medical Evacuation & Repatriation Expense, including toll free Assistance Services

• Submission Requirements:
  Completed International Insurance application and 5 years of prior carrier premium & loss information

Defense Based Act (DBA)

Coverage is required for all U.S. contractors and subcontractors doing business on behalf of the U.S. Government overseas. Defense Base Act extends United States Longshore & Harbor worker's benefits to employees working on a military base/installation or under a U.S. Government contract. DBA Coverage should be factored into your client's contract bid and should not be addressed at the last minute. Pricing will vary depending on payroll, length of stay, type of assignment, region where work is taking place, among other considerations. Besides covering U.S. citizens, DBA coverage is required for third country nationals and local hires.

MANY GREAT OPPORTUNITIES NOW EXIST FOR YOU TO TAKE ADVANTAGE!!! Triggers for DBA - There are five provisions in the current version of the Defense Base Act that prompt coverage:

1. Any employee working on a military base or reservation outside of the U.S.

2. Any employee engaged in U.S. government funded public works business outside the U.S.

3. Any employee engaged in public works or military contract with a foreign government which has been deemed necessary to U.S. National Security

4. Those employees that provide services funded by the U.S. government outside the realm of regular military issue or channels

5. Any employees or any subcontractors of the prime or letting contractor involved in a contract like numbers 1-4 above

Coverage Issues - Failure to obtain DBA insurance carries stiff penalties. All government contracts contain a provision that requires bidding contractors obtain necessary insurance. Failure to do so will result in fines and possible loss of contract. The additional and most severe penalty is that employers without DBA coverage are subject to suits under common law wherein common law defenses are waived. In other words, the claimants or their heirs need only file suit and do not have to prove negligence. Lastly, all claims may be brought in Federal Court and are against the insured directly.

HIGH-RISK FOREIGN CASUALTY PROGRAM 

We have Exclusive program access with A-rated carriers/ LLOYD’s Underwriters.

Specialist underwriting facility to support  USA and foreign-based companies with General Liability and Products/ Completed Operations foreign exposure (OUTSIDE THE USA)*

Underwriting appetite for (not fully inclusive list):

• Crane Operators
• Welding Operations
• Oil & Gas: Engineering, Builders, Pipe among others
• Security Contractors: Armed and Consulting
• Food & Beverage (Export Sales)
• Animal Feed & Pet Food

Coverage for other industries available

Coverage NOT offered to MARINE risks

Other Features:

• International Claim Support
• Local (foreign) Placement Facilities, where required
• High Limits- up to USD 10,000,000 occurrence and aggregate available
• Cross-Marketing with competitive, HIGH-RISK Crisis Mgmt. & Kidnap Ransom program

Submission Requirements: Foreign GL Application form; Loss Runs or Confirmation of No Known Losses

MINIMUM annual Premiums: $25,000

CRISIS ASSISTANCE PROGRAM

We live in an increasingly uncertain world. It is also an increasingly globalized world, where students frequently travel to all corners of the globe during the course of their studies or seeking fun and adventure. Just as corporations have a social responsibility to protect their employees, universities and colleges must also ensure that they are doing their utmost to keep their students safe at home and abroad. To meet this demand, MSW has obtained access to a unique assistance package designed to keep students safe and secure, wherever they are in the world. The program is built around Crisis Assistance PLUS CAP benefits and services.

CAP guarantees assistance for a wide range of crises that directly impacts or has the potential to impact a member during travel. CAP members enjoy on-demand access to a dedicated 24/7 Crisis Response Center; where they can receive advice, and if necessary, coordinated response services to bring closure to crises during travel.

CAP covers crisis consultation , coordinated response services and indemnified losses, during a period of travel for the following crises:

• Violent Crime - Any act or threat of violence to a CAP Member which causes, or is likely to cause, death or serious bodily injury. Examples include robbery, assault or acts of violence following a natural disaster.

Political Threat - Political Threat means political and/or military events which have created a situation in which a CAP Member is in danger of or has incurred serious bodily harm. Examples include violent protests, an attempted coup or cycles of election violence. Because CAP is not an insurance policy, there are no hard “loss” triggers, such as official U.S. State Department travel advisories to qualify for assistance.

Terrorism -Terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

Hi-jack - Hi-jack means the illegal holding under duress for a period in excess of six hours of a CAP Member while traveling on an airplane, vehicle or watercraft.

Disappearance - Disappearance means the complete and unexpected loss of contact during a period of travel for a period in excess of 48 hours. An example may include, going on a shore excursion during a cruise and not returning to the ship.

Blackmail & Extortion - For the purposes of this membership program, Blackmail and Extortion means the making of illegal threats specifically to a CAP Member to:

• Kill, injure or abduct a CAP Member; or damage Property;
• Disseminate, divulge or use Trade Secrets; By persons who then demand a     payment  as a condition of not carrying out such threats. Examples may include the threat to abduct, kill or injure a CAP member by a taxi driver while traveling unless a payment is made, or being stopped at a check point while traveling and told a payment is required to continue through the check point.

Wrongful Detention - Wrongful Detention means the involuntary confinement of a CAP Member by any person(s) acting as agents of or with the tacit approval of any government or governmental entity, or acting or purporting to act on behalf of any insurgent party, organization or group.

Examples may include, being stopped at a check point while traveling and arrested for no apparent reason, or being detained while attempting to enter a country without cause.

Kidnapping - Kidnapping means any event or connected series of events of seizing, detaining or carrying away by force or subterfuge of one or more CAP Member(s) by any third party for the purpose of demanding a Ransom. Example, while exiting a restaurant in São Paulo, Brazil a CAP Member is abducted and a ransom demand is made.

CAP BENEFITS

• Crisis Consultation Expenses 
• Crisis consultation expenses are limited to the reasonable and necessary consultant costs and extra expense (“additional costs”) incurred directly and solely as the result of the management of a potential, actual or threatened crisis

Additional Membership Benefits

• Emergency Political Evacuation Costs 
• Legal Fees
• Fees and expenses of an independent interpreter
• Costs of relocation travel and accommodation
• Fees for emergency medical care of a CAP member
• Fees and expenses of security personnel temporarily deployed solely and directly for the purpose of protecting CAP members located in the country where a crisis event has occurred. 

Why Crisis Assistance Plus:

• Worldwide crisis response for individuals, families and corporations
• Rapid response teams & dedicated CAP managers deployable globally within 24 hours
• Experienced security personnel for field rescue, shelter in place and ground evacuations
• Nationally recognized crisis communications team
• Highly experienced KR&E response team
• 24/7 hotline assistance
• Emergency message relay to family members
• Point-in-time geographic threat information
• Aircraft can be launched in as little as 60 minutes
• No claim forms to fill out
• Legal fees paid
• Emergency medical fees paid
• No age restrictions
• Country of residence coverage
• Short-term and annual memberships available
• The simple threat of political violence can trigger a response

MarketScout has various A-Rated or better carriers that can provide International Coverage.

5-10%, depending on the line of coverage.

MarketScout Producer Agreement Required along with E&O verification and respective state license. No premium volume requirements. We operate on 'open market' basis. We consider one off submissions. We file the tax if required.