Here we provide just about everything you need to know about international personal liability insurance. Unfortunately when we survey expatriate groups working away from their country of citizenship, only about 1 in 4 have secured personal global liability insurance. How can this be and why is this the case? Why are thousands of people risking their family's financial future by going without this essential coverage?

Why is International Liability Insurance an Essential Coverage?

Everyone working outside of their home country is exposed to lawsuits and damage awards caused by unintentional negligence. The possible situation where one could be found liable are almost endless. Lawsuits are a part of almost any country's legal system and in many they 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 the harm caused, no matter what that may be. Expatriates that work for large multinational employers do not typically fair well in front of a judge if any member of the family have caused damages to a local national of the country.

10 Reasons No One Should be Without Global Liability Insurance Protection

1. The coverage is amazingly cheap. Coverage starts at .14 (cents) a day and that includes legal defense costs.
2. Your employer is not covering you now. This is the # 1 mistake people make. Your Risk Manager has no commercial liability policies that can ever cover your personal claims.
3. You can be sued or a damage award can be assessed against your or any member of your family even for things that are not your fault. If someone is injured in your apartment because they fall, is it your fault?
4. Claims can be very large and we have seen a $2,000,000 judgments against an expatriates that did not carry international liability insurance.
5. Home country domestic plans do not provide international coverage.
6. High net worth expatriates are lawsuit "targets" in many countries.
7. Coverage moves with you and your family as you travel internationally. It's not just a home country or host country coverage.
8. The global liability insurance program comes with legal defenses.
9. It can be added quickly and easily to a basic international property insurance policy. There is no paperwork.
10. It's worth stating again. Your employer cannot cover your personal claims of any kind. If you think you are too important to them, and this rule does not apply to you, you are mistaken.

Isn't My Employer Providing Me With This 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 you don't have global personal liability insurance coverage you will need to pay the judgment yourself and this cannot be reimbursed by your employer. We have seen expatriates actually have to flee a country because they did not carry the proper international liability insurance.

The costs are extremely reasonable with the typical program costing just over $12 USD a month to protect the entire family globally, and that would include local defense costs. Even if you are not concerned about lawsuits in your host country, and you probably should be, who is protecting you and your family when you travel back to your home country, or back to the United States?. The coverage is too affordable and easy to begin for anyone to go uninsured.