Insurance products tailored for:
International Business
In today's business environment, even the smallest local company can
operate in the international marketplace. It no longer takes a corporate
jet or offices on three continents - just a computer.
Nonetheless, business often demands personal contact, and conducting
that business outside the United States requires the same kind of careful
risk assessment and management as your daily domestic operations. That's
why Gales Creek provides a package of international coverages to keep
your company and your employees safe, wherever your business needs may
take you.
Here is a brief overview of the basic coverages available. Contact us
to find out how we can customize a package that will precisely suit your
business needs and budget - just another example of how Gales Creek innovates
coverage to suit the consumer's needs.
INTERNATIONAL GENERAL LIABILITY (GL)
The same range of liability exposures exists overseas that we face at
home, with the added twists of local standards and laws that seem.well,
foreign. This GL policy provides you with the same level of bodily injury
and property damage coverage you enjoy at home, including Employment Practices
Hazard and coverage for lawsuits filed outside the US, for a premium based
on your annual foreign sales.
INTERNATIONAL VOLUNTARY WORKERS' COMPENSATION
American companies are required by law to provide work comp coverage to
their employees at home, and this coverage allows you to continue that
coverage for injuries they may incur while abroad, including Employers
Liability and Repatriation Expenses. It can also provide benefits to foreign
nationals working for you, according to the statutory limits of the state
or province where the work takes place. Many countries require that their
citizens be covered by their own national plan, and we can assist in determining
your particular circumstances.
KIDNAP/RANSOM and EXTORTION
K&R coverage has been available since the 1930s, when it was mostly
marketed to wealthy families following the Lindbergh kidnapping. Now,
anybody who is perceived as representing big bucks - whether personal
or corporate - can be a target and, in some places in the world, kidnapping
and extortion are disturbingly commonplace occurrences. This coverage
includes ransom payments, the services of a professional security firm
retained by the insurance carrier, costs of returning a victim home (including
protection in transit), medical and psychiatric treatment, lost wages,
rest and rehab, and more. Coverage can be extended to everyone from the
CEO to the janitor, including family members, friends and visitors.
OCEAN CARGO/POLITICAL RISK
Coverage for your company's property, whether in transit, at a trade fair
or exhibition, or even salesman's samples. Ocean Cargo covers damage to
property in transit, while Political Risk covers more arcane exposures
that can be faced overseas, such as Confiscation, Expropriation &
Nationalization (including Currency Incontrovertibility and Political
Violence), Contract Frustration, and Wrongful Call of a Guarantee.
INTERNATIONAL MEDICAL INSURANCE
If you've ever tried to get your health insurance carrier to pay for medical
care provided by an "Out of Service Area" clinic or hospital,
the very thought of getting coverage in another country is probably enough
to make you cringe. That's why Gales Creek has partnered with International
Medical Group (IMG) - we believe they are the premier provider of health
insurance for anyone traveling internationally. IMG has insured individuals
and groups in some 130 countries since 1990. IMG can put together a comprehensive
package for individuals and groups traveling to other countries and provide
coverage for all needs, from a small group of foreign nationals visiting
the United States to a missionary group of 1000 people located in a hundred
different countries worldwide.
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