What is International Liability Insurance and Why is it Absolutely Necessary?

Everyone working outside of their home country is exposed everyday to lawsuits and "damage awards" caused by unintentional negligence. The potential situations where one could be found liable are almost endless and range from the real life examples of an expatriate's spouse killing a pedestrian while driving a car, to a child knocking over an old woman on the street with a skateboard.

Lawsuits are a part of almost any country's legal system and can take the form of simple damage awards. For example, the person working internationally is called before a judge and is ordered to pay damages to another family for harm caused. Expatriates that work for large multinational employers do not typically fare well in a foreign court if any member of the family has caused damages to a local national of the host country. The coverage we provide is extremely affordable, costing just cents a day in most cases. The international liability coverage includes legal defense costs.

Isn't My Employer Providing Me With Global Liability Insurance Protection Now?

In almost all cases the answer is no. We have NEVER seen an employer carry an insurance policy that could pay for personal judgments against employees in foreign countries. If the damages or negligence arose from a job duty yes, this would be covered by a corporate commercial policy, but if damages are assessed against you or your family for something not related to the course of employment, you are personally responsible. If you don't have global personal liability insurance you will need to pay the claim yourself and this cannot be reimbursed by your employer. We have seen expatriates actually have to flee a country because they did not carry international liability insurance.

Even if you are not concerned about lawsuits in your host country, who is protecting you and your family when you travel back to your home country or to the United States, the most litigious society on earth. The coverage is too inexpensive, and easy to secure for anyone to go uninsured.

Purchasing international personal liability insurance is one of the smartest things anyone living internationally can do to protect themselves and their family. You will be surprised how inexpensive the cost is, and how easy the coverage is to secure.

International Property Insurance Group provides international personal effects insurance along with the best coverage for international liability, to anyone living or working abroad.