An Insurance Built to Cross Borders

International Business Insurance for Companies Operating Abroad

Expand with confidence, protect people, assets, and operations wherever your business goes.

Send us your best email so we can contact you

Phone number

Best time to contact you

Act Smart

Insure Now

California Corporate Insurance License #0I5358
40+ years of combined team experience
4.9/5 star rated for service excellence
500+ insured companies

Call 866-856-3846

International business insurance covers a company’s people, property and liability exposures when it operates outside the United States. Programs can include foreign liability, property, employee and travel coverages, and political risk. A domestic policy often does not respond abroad, so a global program is usually needed to close the gaps.

Updated October 5, 2026

Get My Free Quote

What does international business insurance cover?

International programs can combine foreign general liability, property and equipment coverage, employee benefits and medical protection, business travel coverage and political risk. The exact mix depends on where you operate, how many people you send abroad and the contracts you have signed with customers and local partners.

Liability for operations and products abroad
Property, equipment and inventory in foreign locations
Medical and travel protection for traveling employees
Workers’ compensation and benefits for assigned staff
Political risk and related exposures

Coverage and eligibility vary by country and carrier, so a local review is important.

Global Coverage. Laws, regulations, and risks change across countries. Our global insurance solutions help you manage exposures in multiple jurisdictions so your expansion stays secure and compliant.

Does my US business policy cover operations and employees overseas?

Often only in a limited way. Many domestic policies restrict coverage to the United States or apply conditions to foreign claims, lawsuits filed abroad or local legal requirements. Reading the territory and jurisdiction wording of each policy, and asking about foreign endorsements, helps you find gaps before you travel or expand.

Never assume coverage extends abroad. Confirm each policy’s territory with a licensed agent.

Nothing Lost in Translation. International insurance coverage can combine multi-jurisdictional protection with services that matter, tax-efficient structures, political risk insurance, emergency evacuation support, and travel risk intelligence. We also support reputation management and expedited claims handling so your operations keep moving.

What is political risk insurance?

Political risk insurance helps protect a business against losses from government actions and political events abroad, such as expropriation, currency restrictions or political violence, depending on the form. It is mostly relevant to companies with significant investment, assets or contracts in higher-risk markets.

Availability and terms depend on the country and the specialist carriers active there.

Do I need local policies in other countries?

Some countries require insurance to be placed with locally licensed insurers, which is called admitted coverage. In those places a master program from your home country may need to be paired with local policies so you remain compliant. A broker with global capability can coordinate that structure for you.

Compliance rules change by country, so ask for current guidance when you enter a new market.

How do I get an international insurance review?

Tell Homewell where you operate, who you send abroad and what you sell internationally. An independent broker reviews your current policies for gaps, compares carriers that write international programs and returns tailored options. A review is free, and you decide whether to move forward.

The countries you operate in or sell to
The people you send or hire abroad
Property, inventory and equipment overseas
Contracts that require specific coverage

HOW WE DO IT

Analysis Calculation Strategy Delivery

We learn your global footprint, identify exposures by location, and map the legal and regulatory landmines you might face.

WHY HOMEWELL?

Global Expertise

We bring deep experience in placing multinational business insurance, so your program meets local rules and global standards.

Key takeaways

International programs combine liability, property, employee and political risk coverages.
Domestic policies often limit or exclude foreign operations and claims.
Some countries require locally admitted policies.
Political risk cover matters most for significant overseas assets or contracts.
An independent broker can review gaps and coordinate global placement.

Frequently asked questions

Does business travel insurance replace an international program?

No. Travel coverage protects individual travelers, while an international program addresses company liability, property and employment exposures. Many companies use both.

Who covers employees who relocate abroad?

It depends on how they are employed and where. Assigned employees may need foreign workers’ compensation, medical coverage and benefits arranged to meet local rules and your obligations.

Can I be sued in the United States for something that happened abroad?

Sometimes. Policy wording on where suits may be brought matters, so check the jurisdiction terms of your liability policies if you export products or services.

Is kidnap and ransom coverage part of an international program?

It can be added by endorsement or as a stand-alone policy for higher-risk locations. It is specialized, so discuss it with your broker if staff travel to such areas.

Your Next Step to Insure Your Business

Send your best email, and we’ll reach out to you soon! You can also call 866-856-3846.