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info@g1g.net
408-286-1111 ext 106
408-997-7890
CA Lic#
0697055
What is Advantage ExpressSM Coverage?
ACE's International Advantage ExpressSM coverage is the first line of defense for U.S.-based companies with employees who periodically travel abroad. This policy provides the streamlined protection you need, priced for occasional international business travelers. International Advantage ExpressSM :
  • Protects against costly legal actions from events occurring overseas, including auto accidents
  • Avoids costly gaps in medical care coverage for employees traveling overseas
  • Insures against loss for business personal property and personal property in transit
  • Provides evacuation for emergency medical treatment when required
  • Addresses the troubling exposure from risk of kidnapping


Why do we need this?
  • Domestic General Liability policies typically cover lawsuits brought within U.S. borders only.
  • U.S. companies with employees who travel overseas may have no safety net if taken to court.
  • Accidents and sickness can occur when employees travel overseas.
  • Businesses need a way to protect themselves against Employer Liability lawsuits for employee injury sustained while traveling outside the U.S.
  • Business travelers often require timely assistance with medical, personal, travel or security matters while traveling outside the U.S.
  • In most foreign countries the required local auto insurance often fails to provide adequate limits or coverage. Non-Owned and Rented Auto Liability can be purchased to fill these gaps in coverage/limits and bring them up to a U.S. Standard.
  • International businesses face incidental property exposures.


Who needs it?
U.S.-based companies that employ workers who:
  • Periodically travel overseas (up to 10 trips annually)
  • Travel individually or in small groups (up to 10 per trip)
  • Travel up to 30 days per trip
Premium Plan
Foreign trips / yearAverage number of employees / foreign trip
 1-23-56-89-10
1-2$1000$1000$1250$1450
3-5$1000$1450$1750$2000
6-8$1250$1750$2500 
9-10$1450$2000  



Coverages
Foreign Travel Liability
  • Pay-on-behalf-of where permitted by law; otherwise on indemnification basis
  • Contingent Employers Liability for employees during foreign business travel
Executive Assistance� Services
  • Medical assistance including emergency medical evacuation
  • Repatriation
  • Personal & travel assistance
  • Medical, personal & travel assistance � through Worldwide Assistance
  • Security assistance � through Control Risks Group
Medical Expense and AD&D
  • Medical expense coverage
  • AD&D coverage until return home
Foreign Travel Property
  • Business Personal Property
Kidnap & Extortion
  • Kidnapping & alleged kidnapping
  • Extortion


Features
  • Worldwide suits/jurisdiction for occurrences outside the U.S.
  • Bodily injury (BI) and property damage (PD) foreign travel liability
  • Contingent Employers Liability
  • Repatriation
  • Non-owned & rented auto bodily injury and property damage liability


Limits
Coverage TypeDescription
Foreign Travel LiabilityPer Occurrence:

$1,000,000


General aggregate
Includes non-owned & rented automobile and contingent employers liability:

$1,000,000

Executive Assistance� ServiceAggregate policy limit

$500,000

International AD&D and Medical ExpenseMedical Expense:

$10,000 Principal Sum


AD&D:

$100,000 Principal Sum


Aggregate Limit for Above Combined:

$1,500,000

Foreign Travel PropertyPersonal Property:

$50,000


Personal Property in transit:

$50,000


Deductable(Per Occurance):

$500

Kidnap & ExtortionExtortion/Ransom Moneys Payment:

$25,000


In transit Extortion/Ransom Moneys Loss:

$25,000


Kidnap and Extortion Expenses:

$25,000


Legal Costs:

$25,000


Detention Expenses:

$25,000


Incident Response:

$25,000



More Details
Medical ExpenseAD&D
  • $10,000 for Total Maximum Medical Expenses
  • $500 maximum for Pre-existing Conditions
  • $2,000 maximum for Doctor's Surgical expenses
  • $1,000 maximum for Dental Treatment (injury only)
  • $1,000 for Physiotherapy expenses
  • $2,000 maximum for Emergency Medical Treatment of Pregnancy
  • $250 maximum for Ambulance service per occurrence
  • $50 Deductible for Covered Accident or Sickness
  • Co-Insurance Rate: 100% of All Covered Expenses
  • Maximum Benefit Period: 1 year from the date of the Covered Accident or Sickness
  • Pays 100% of principal sum for loss of life
  • Pays 100% of principal sum for loss of combination of any two eye(s), hand(s) or foot/feet
  • Pays 50% of principal sum for loss of one eye, hand or foot
  • Pays 100% of principal sum for loss of speech and hearing
  • Pays 50% of principal sum for loss of speech or hearing


Frequently Asked Questions
What if greater limits are needed?
The comprehensive ACE USA International Advantage� Package Policy is more appropriate for your client�s needs.

What if my client needs international coverage for Products Completed Operations?
The comprehensive ACE USA International Advantage� Package Policy is more appropriate for your client�s needs.

What if my client needs coverage for Foreign Voluntary Compensation?
The comprehensive ACE USA International Advantage� Package Policy is more appropriate for your client�s needs.

What if my client's type of business does not qualify for Advantage Expresssm?
The comprehensive ACE USA International Advantage� Package Policy is more appropriate for your client�s needs.

What is Personal Property?
�Personal property� means �property,� other than �personal effects,� brought by or used by your �employee� for business purpose during �foreign travel�. �Personal property� includes �personal property� of others in your care, custody or control, but our payment for loss of damage to �personal property� of others will only be for the account of the owner of the property.

What is Personal Property in Transit?
�Personal property in transit� means �personal property,� or �personal property� of others in your care, custody or control, while it is being transported:

  1. by aircraft or ocean-going vessel between points within the same country if that country is within the �coverage territory�:
  2. by your own land motor vehicles or by �common carriers� between points in the �coverage territory�; or
  3. while on ferries, carfloats or lighters in connection with transportation in a. or b. above.

 
News

CEO Zain Jeewanjee
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