Your Coverage Should Cross the Border With You.
One coordinated program for a business that operates in more than one country
Multinational insurance coordinates the liability, property, auto, and employee coverages a U.S. business needs once its people, products, or operations cross the border. The moment you send an employee abroad, open a foreign location, export a product, or sign an overseas contract, your domestic policies start to run out of room — and the gap is rarely obvious until a claim lands in another country's legal system.
The core problem is twofold. First, your U.S. general liability, commercial auto, and workers' compensation policies were written for domestic exposures and quietly stop, or respond poorly, outside the country. Second, most countries require insurance to be written locally by a licensed, "admitted" insurer — so simply extending a U.S. policy overseas can leave you both uncovered and out of compliance. A multinational program solves both at once.
What Multinational Insurance Covers
A multinational program is assembled from international coverages, coordinated under a master policy:
Foreign Commercial General Liability — Covers third-party bodily injury and property damage from your operations, premises, and products outside the United States, where your domestic GL was never meant to respond.
Foreign Voluntary Workers' Compensation — Extends workers' comp-style benefits, medical care, and repatriation to your U.S. and third-country-national employees injured while working or traveling abroad.
Foreign Business Auto — Covers liability and physical damage for vehicles you own, hire, or rent overseas, on a primary or contingent basis depending on the country.
International Property — Insures your buildings, equipment, and stock at foreign locations, coordinated with the admitted property policies issued in each country.
Business Travel Accident & Medical Evacuation — Provides accident, medical, and emergency evacuation benefits for employees traveling internationally on company business.
Difference in Conditions / Difference in Limits — Covers the gaps in breadth and limit between your U.S. master policy and the local admitted policies written in each country.
Kidnap, Ransom & Political Evacuation — Responds to extortion, detention, and the need to move your people out of a country quickly when conditions deteriorate.
What It Does Not Cover
A multinational program is broad, but it has edges:
Local, in-country risks that a country's law requires to be written on admitted paper by a licensed local insurer
Ordinary commercial and credit risk, and currency devaluation — a market loss, not an insured peril
Expropriation, sovereign non-payment, and other government-driven losses, unless political risk cover is added
Sanctioned countries and parties, and travel or trade barred by U.S. law
Operations in countries that aren't scheduled on your program
Who Needs Multinational Insurance
The exposure starts earlier than most owners expect — often with a single trip:
Companies with foreign subsidiaries, branches, plants, or sales offices
Businesses that send employees abroad to install, service, sell, or attend meetings — even for a few days
Exporters and firms with foreign contracts, projects, or distributors
Any business whose U.S. general liability, auto, or workers' compensation quietly stops at the border
Real-World Exposures
An employee is injured on a business trip and your U.S. workers' comp won't respond in that country
A product you exported causes injury and you're sued in a foreign court under foreign law
A rented vehicle crash abroad falls outside your U.S. commercial auto policy
A regulator fines your foreign subsidiary — and its local director personally — for operating without admitted coverage
Why Proper Placement Matters
Multinational coverage is as much a compliance exercise as an insurance one, so placement turns on:
The admitted-paper requirement — most countries require locally licensed policies, and a non-admitted U.S. policy extended abroad can be illegal, leaving claims unpaid and triggering fines, back taxes, and personal liability for local directors and officers
Structuring a controlled master program — a U.S. master policy over locally admitted policies in each country, with difference-in-conditions and difference-in-limits cover to close the gaps between them
Allocating premium and handling local insurance taxes correctly in each jurisdiction
Choosing a carrier with a real network — licensed paper, local claims handling, and compliance support — in the countries where you actually operate
Keeping the country schedule current as you expand, so a new location isn't discovered uninsured at claim time
Our Approach
At Cory Washington & Co., we build the international side of your program around where your business actually goes — scheduling the right countries, placing locally admitted policies where the law requires them, and setting difference-in-conditions and difference-in-limits cover so a claim abroad doesn't fall into the gap between your U.S. master and the local paper. We coordinate it with the rest of your commercial auto, workers' compensation, and general liability program, and with related international lines including political risk, difference in conditions, ocean marine, and cargo.
Our goal is simple: coverage that crosses the border with you — compliant in each country, with no gap where your domestic policies end and your foreign operations begin.
All insurance descriptions on this website are provided by Cory Washington & Co. LLC strictly for general informational purposes. They are not intended to be, and should not be relied upon as, legal, financial, or insurance advice. The information presented is general in nature and does not guarantee the availability, terms, conditions, or scope of any insurance coverage. Actual coverage is determined solely by the specific policy language issued by the insurer and remains subject to underwriting approval. Nothing on this website creates or implies an agent-client relationship, binds coverage, or alters any existing policy. Cory Washington & Co. LLC expressly disclaims any liability for actions taken, or not taken, based on the content provided here. For advice regarding your particular situation, please consult directly with a licensed insurance professional at Cory Washington & Co. LLC or another qualified insurance professional, and always review your policy documents in full.
Frequently Asked Questions
How do I get multinational insurance through Cory Washington & Co.?
Request a quote or contact our team. We start with a short conversation about your operations, analyze your exposures, then negotiate multinational insurance across multiple carriers that compete for your account and present options with the trade-offs explained. Cory Washington & Co. LLC is licensed in all 50 states.
How are multinational insurance premiums priced?
It depends on your exposure. Multinational insurance is priced on factors like your industry, size, prior claims, and the limits and deductibles you select — so two businesses rarely pay the same. We shop your account across competing carriers and present the trade-offs in plain English.
Is multinational insurance mandatory?
Requirements vary. Multinational insurance may be mandated by statute, or required under your contracts, leases, or loan agreements — and in many cases it is simply prudent given the risks involved. We look at your specific obligations and exposures, then recommend the coverage and limits that fit.
What if another agency has already declined or non-renewed my coverage?
Difficult, specialty, and previously-declined placements are a core part of our work. We access excess & surplus (E&S) and specialty markets that many generalist agencies cannot, and we explain the trade-offs clearly so you can decide with confidence.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.