Foreign Package

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Like a domestic Commercial Package policy, a Foreign Package policy bundles together a variety of essential coverages into a single comprehensive policy. Because a domestic Commercial Package is generally limited to domestic operations*, associations with overseas activities must look to a separate form of coverage.

What's Covered
Similar to domestic insurance, the Foreign Package policy has property and general liability coverage options with important enhancements.

3 Year Term Option
  • Discounted Premium if Prepaid
Casualty
  • Commercial General Liability including product and premises liability
  • Commercial Auto Liability, for owned, non-owned and leased vehicles
  • Employers Responsibility, including foreign voluntary workers compensation
  • Executive Assistance® Services, including repatriation (complimentary with Employers Responsibility; $1million annual aggregate)
  • Accidental Death & Dismemberment
    (included at no extra charge; other options available)
  • Accident and Sickness Medical Coverage
Kidnap and Extortion
  • Kidnap & Extortion
    (included at no extra charge; higher limits  available)
Property
  • Commercial Property, including cargo
  • Business Income

The above are product summaries. Please see the actual policies for all terms and conditions.

Who's Covered
Similar to a Commercial Package. The ACE International AdvantageŽ Package is designed to protect the association or business. Coverage extends to employees on occasional business travel and/or when temporarily or permanently located overseas. Coverage can be extended to include independent contractors, volunteers and traveling companions. Worker Compensation can be extended to include (i) U.S. nationals, (ii) third party nationals and (iii) local nationals. (Coverages are subject to policy terms and conditions.)

Value to Association
Fill the gap you have in coverage for risks associated with overseas business travel and ongoing foreign operations. Novick Group, a specialist in trade association needs, has joined with ACE USA, a leader in global insurance, to offer you coverage for your foreign property and casualty exposures. ACE USA is the U.S.-based retail operating division of The ACE Group of Companies.

Regardless of your size, you can reduce the risk of overseas commerce for premiums as low as $1,000 with an ACE International AdvantageŽ foreign package policy. It offers affordable, flexible coverage only a global insurance carrier can provide. ACE USA has a proven record of exceptional service and claims management, with an extensive global network and international specialists throughout the U.S.

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*The territorial provision in most domestic policies is limited to US, Canada and US territories. Incidental travel outside these areas can be accommodated; however, claims for damages must be brought in a US court in order for coverage to apply.