Protecting Your Employees Travelling Internationally

Each year, more than a million people become sick or injured outside their home country. Traveling overseas on business presents many unique risks arising from language barriers, jet lag, endemic disease and driving hazards. Travelers need to know where to turn for help and information when far from home. Chubb conveniently and cost-effectively combines foreign voluntary workers compensation insurance with emergency assistance and travel intelligence to provide an invaluable passport to safety.

Foreign Voluntary Workers Compensation Insurance

Companies are accustomed to providing workers compensation insurance for employees, but many do not recognize the special needs of those traveling overseas. Domestic workers compensation policies often provide medical and wage benefits for short-term assignments outside of the United States, but extraterritorial provisions generally exclude endemic disease or accidents that occur outside of work hours. Chubb’s Foreign Voluntary Worker’s Compensation is intended to be primary insurance that addresses a broad range of risks and is flexible enough to meet individual company needs. And, foreign workers compensation losses will not affect domestic experience modifications.

United States employees traveling outside the U.S., international employees living/working overseas when traveling outside their assigned countries and foreign nationals on U.S. assignment can be insured 24/7. United States nationals and third-country nationals can be insured during working hours while on permanent assignment overseas. Benefits are provided according to U.S. state of hire or country of origin.

Employer’s Liability Insurance protects employers when employees bring actions as a result of work-related illness or injury. We insure against such liability and provide legal defense costs.

Repatriation Expenses can be costly. When an employee suffers illness, injury or death while traveling on business outside his or her home country, we cover transportation costs for emergency medical treatment and mortuary services. We also cover transportation expenses for accompanying spouse and children.

Endemic Disease Protection applies when an employee is exposed to infectious diseases such as malaria, dengue fever and tuberculosis that are rare or non-existent in the United States. We provide insurance for medical treatment and compensation for long-term effects that can compromise earning potential.

War or Terrorism Insurance is not automatically excluded in the Chubb policy, unlike many other carriers.

Defense Base Act (DBA) benefits provide protection for the injury or death of an employee engaged in employment under a contract between the insured and the U.S. government for work performed outside the United States, typically on U.S. military installations. These optional benefits are subject to underwriting review and available for an additional charge.

A Dedicated Claims Reporting Number is available to file a foreign voluntary workers compensation claim anytime, anywhere with Chubb’s toll-free number: 1-800-699-9916.

Emergency Assistance

When Foreign Voluntary Worker’s Compensation insurance is part of a Chubb international insurance program, employees traveling overseas can access emergency assistance worldwide. They simply dial the toll-free number printed on identification cards provided by Chubb. A leading-edge communications technology platform maximizes accessibility and allows multilingual assistance coordinators to:

Travel Intelligence Reports

When key employees need up-to-date, detailed information about international travel, we provide access to travel intelligence reports. The reports provide information about:

Service and Strength

Chubb Multinational Solutions includes the industry’s leading commercial underwriters, knowledgeable in a broad range of disciplines and geographic regions. We know world markets inside out – from environmental impairment liability in Germany to pure financial loss in France – and stay informed about political and economic developments that can indicate the need for new or updated insurance. In addition, Chubb provides the coordination advantage of one underwriting group dedicated to overseeing all the foreign, as well as domestic, components of your multinational insurance program.

Our innovative portfolio of products is designed to address the property and casualty needs of companies at any stage of development engaged in worldwide business.

Chubb’s world connections include owned operations in 27 countries, long-standing affiliate relationships with local insurance companies in the countries where we do not have owned operations, combined with a network of correspondent agents and brokers – some 100 in more than 70 countries.

Chubb’s international capabilities have been honed over decades of worldwide insurance experience, and we have maintained an A.M. Best’s rating of A+ or higher for the past 50 years. Chubb’s reputation for integrity reaches back more than a century.

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