ACE USA
International Advantage®
Commercial
General Liability
Why Coverage is Needed
• Many U.S. companies count on domestic comprehensive GL policy
for worldwide exposures.
• Domestic GL coverage applies only if lawsuits are brought within
U.S. borders.
• No insurance safety net if taken to court in foreign country.
Real World Claim Scenario:
Next Page
Bodily Injury Liability in Colombia
• U.S.-based contractor visits prospective client at construction
site in Bogota.
• Contractor trips, causing chain of events ending with
suspended beam crashing into group of Bogota firm’s workers.
• Four employees are seriously injured, and bring suit in
Colombian courts against U.S. firm.
• Foreign suit/foreign occurrence is not covered under
contractor’s U.S. GL policy.
MORE REAL WORLD CLAIM SCENARIOS
GL COVERAGES, LIMITS & FEATURES
The ACE USA
Solution:
International
Advantage policy
covers defense costs
and covers judgment
against U.S. firm.
ACE USA
International Advantage®
Commercial
General Liability
GL Coverages, Limits & Features
Coverages
• Bodily Injury and Property Damage Liability, Employee
Benefits Liability, Personal and Advertising Injury Liability, Medical
Payments
Limits
• $1 million each occurrence BI/PD & per claim for Employee Benefits
Previous Page
Next Page
• No general aggregate
• $1 million aggregate for Products-Completed Operations
• $1 million aggregate for Personal & Advertising Injury
• $10,000 per person/$1 million each occurrence for Medical
Payments
Features
• Covers occurrences in any country except U.S.; Claims/suits may be
brought anywhere
• Coverage also applies to U.S. occurrences, provided claim or suit is
brought outside U.S.
• Coverage is on pay-on-behalf-of or to indemnify basis
• Premises damage is on all risks basis
MORE REAL WORLD CLAIM SCENARIOS
ACE USA
International Advantage®
Commercial
General Liability
More GL Claim Scenarios
Products Liability in Germany
Previous Page
• U.S. metal goods manufacturer exports round metal disks made
to specifications for German soda bottler.
• Buyer uses disks to make bottle caps, and one blows off glass
bottle, blinding a child.
• Both bottler and U.S. manufacturer are sued in German court.
• Foreign suit/foreign occurrence is not covered under
manufacturer’s U.S. GL policy.
Premises Legal Damages in South Africa
• After 12-hour flight to South Africa, employee draws bath at
rented corporate apartment and lies down to rest as tub fills.
• Employee dozes off and tub overflows, causing damage not only
to apartment, but to three floors of building below.
• Claim results in substantial premises legal damages not covered
under domestic GL policy, as it only provides coverage due
to loss by fire.
Contractors Liability in Russia
• U.S. contractor is hired to install equipment at Russian
customer’s location.
• Contractor uses sub-contractor with low limits of insurance.
• Loss occurs and suit is brought against U.S contractor in Russia,
a location not covered by U.S. GL policy.
GL COVERAGES, LIMITS & FEATURES
The ACE USA Solution:
International
Advantage policy
insures the U.S.
manufacturer
against costly
settlement. While
case is dismissed,
U.S. manufacturer’s
court costs are paid
through policy.
The ACE USA Solution:
International
Advantage policy
covers against
premises damage to
the rented apartment resulting from
all perils.
The ACE USA Solution:
International
Advantage policy
covers losses occurring in Russia and
majority of other
countries.