Ideal Accounts and Appetite
The International Advantage® program is well-suited for a wide range of industries, including manufacturing, professional services, technology, nonprofits, and educational institutions. Target accounts typically include:
- Companies with employees who frequently travel internationally
- Exporters and importers of goods and services
- Firms with overseas contractors or representatives
- Organizations hosting or attending international trade shows
For example, you might have a client in the tech industry sending engineers to support product launches in Asia, or a manufacturer with a sales team operating in Europe. These are strong candidates for this program.
Coverage Highlights and Advantages
The program is designed to address a wide range of exposures that domestic policies often exclude. Key coverages include:
- Emergency medical, personal, travel, and security assistance
- Commercial general liability for foreign operations
- Commercial auto liability for non-owned and hired vehicles overseas
- Employer’s responsibility coverage, including foreign voluntary workers’ compensation
- Business income coverage to protect against foreign interruptions
- Accidental Death & Dismemberment (AD&D) insurance for employees abroad
- Kidnap and extortion coverage for high-risk regions
This comprehensive package helps close the gaps that can arise when U.S.-based companies operate across borders.
Underwriting Notes and Minimum Premiums
Victor O. Schinnerer & Company, Inc. underwrites this program on a non-admitted basis through ACE, providing flexibility in terms and coverage design. While the minimum premium is not specified, accounts are competitively priced based on exposure, size, and location of operations. Submissions should include full details about international activities, employee travel, and the nature of the business's foreign presence.
Territories and Availability
This program is available in all 50 states and Washington, D.C., including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY.
Why Work With Victor O. Schinnerer & Company, Inc.
As a leading Managing General Underwriter (MGU), Victor O. Schinnerer brings decades of specialty underwriting expertise to the table. Their International Advantage® program reflects a deep understanding of global risk management and the complex needs of U.S.-based companies operating internationally. Agents and brokers benefit from responsive underwriting, access to specialized carriers like ACE, and a partner committed to helping you grow your international book of business.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include companies with employees who travel internationally, export products, or maintain overseas operations—such as manufacturers, tech firms, and professional service providers.
Is the International Advantage® program admitted?
No, this program is written on a non-admitted basis through ACE, offering flexible coverage options for complex international exposures.
What coverages are included in this program?
The program includes general liability, auto liability, foreign voluntary workers' comp, business income, emergency assistance, AD&D, and kidnap & extortion coverage.
Which states is this program available in?
The program is available in all 50 states and Washington, D.C., including key markets such as CA, NY, TX, FL, and IL.
What information is needed to submit an account?
Submissions should include details on international travel, number of employees abroad, foreign revenue, locations operated in, and nature of international activities.
Need help placing an account? Connect with a market specialist.