What is International General Liability?
International General Liability (IGL) insurance helps protect businesses operating outside their home country from third-party claims involving bodily injury, property damage, or personal and advertising injury. This coverage is essential for companies with overseas operations, international employees, or exposure to foreign markets.
Who Needs It
Businesses of all sizes that work internationally may benefit from IGL coverage, including:
- Companies with employees who travel or work abroad
- Importers and exporters
- Manufacturers with global supply chains
- Tech firms offering services or software in other countries
- Nonprofits and contractors with global operations
What It Typically Covers
International General Liability insurance commonly includes protection against claims such as:
- Third-party bodily injury on business premises or due to business operations
- Damage to property owned by others
- Personal and advertising injury, such as libel or copyright infringement
- Legal defense costs related to covered claims
Coverage may vary by insurer and policy terms, so it's important to review the specific details of your policy.
Common Exclusions and Limitations
Like most insurance policies, IGL coverage has exclusions. Common limitations may include:
- Intentional or fraudulent acts
- Employee injuries (typically covered under workers’ compensation)
- Professional errors or omissions (covered under professional liability)
- Product recalls
- Contractual liabilities not assumed under the policy
Factors That Influence Cost
The cost of International General Liability insurance depends on several factors, such as:
- Nature and location of international operations
- Business size and annual revenue
- Number of employees working abroad
- Claims history
- Policy limits and deductibles
Proof of Insurance and Compliance
Depending on where your business operates, you may be required to show proof of insurance to local authorities, clients, or partners. Requirements vary by country and industry. Having valid IGL coverage can support compliance with international contracts and regulations.
How to Get a Quote
To explore your options and find coverage that fits your international operations, request a quote today.
Frequently Asked Questions
Does International General Liability cover employees working overseas?
It may cover third-party claims related to employee actions, but employee injuries are typically handled under workers' compensation or foreign voluntary workers' comp policies.
Is my domestic general liability policy valid internationally?
Most domestic policies have limited or no coverage for incidents occurring outside the U.S. An IGL policy is designed to cover international exposures.
Can IGL insurance be customized for specific countries?
Yes, many insurers offer tailored policies that align with the local laws and risks of the countries where you operate.
Do I need IGL insurance if I only travel occasionally for business?
If you or your employees conduct business abroad, even infrequently, IGL insurance can help protect against unexpected liability claims.
What documents are needed to get an IGL quote?
Insurers typically request details about your business operations, international locations, employee count, and any prior claims history.
Still have questions? Talk to a local insurance expert.