Liability Extending Over Seas?

[insurance1822]

Is it a standard that carriers WILL NOT extend coverage outside of America, it's territories/possession & Canada?

 

[LA_Exec]

In my experience, most standard carriers will not. So many factors go into your question. The type of risk itself, the current geo political climate of where the insured needs to operate. The duration of the insured operating overseas. ACE (now Chubb) has a product I believe for insureds that need to travel overseas for a period. If you can give more insight into the operations of your client. That would be helpful.

 

[InsCommentary]

Liability under what policy?

 

[insurance1822]

under home & auto.

chubb does & so does Encompass (except they won't extend coverage to mexico.)

 

[InsCommentary]

Most HO policies provide worldwide liability coverage. Most personal auto policies limit the territory to the U.S., territories and possessions, Puerto Rico, and Canada.

 

[Dave864]

Safeco umbrella will cover worldwide but won't cover liability at international properties owned by the insured.

 

[Matt37]

on the commercial side.. yes it is a standard exclusion .. UNLESS suit is brought in the US.. then its covered.