MP Global is your business safeguard when commerce crosses borders.

In the time between takeoff and landing, you’ve entered a different world.

The minute your foot touches the ground, customs, languages, laws and business etiquette will all be different. You don’t know what you don’t know. Global operations insurance protects your organization as it moves into new frontiers. International business insurance through MP Global can address challenges including:

• Theft of business property

• Vehicle accident claims and related criminal charges

• Litigation and legal defense

• An injured or ill employee

• Kidnapping and ransom demands

• Extortion

• Cyber attacks

• Personal medical issues while traveling

• Canceled flights and travel delays

Assessing the risks of international business and travel

According to Transparency International’s Global Corruption Barometer, “nearly one in four people paid a bribe when they accessed a public service” around the world. Survey respondents said police and elected officials are the most corrupt institutions worldwide.

We don’t believe in scaremongering, stereotyping or overgeneralizing. Every destination and business operation is unique. The key is to acquire international business insurance appropriate to the level of perceived risk.

While all international business includes risk, not all destinations rank equally. Potential hazards are related to:

• The destination country
  Is terrorism common? Is crime prevalent? Are medical facilities accessible?

• The number and age of travelers
  The more travelers = greater risk. Groups of teens or children can face unique challenges.

• Activities planned
  Are you meeting in a hotel conference room or rock climbing in a remote area? Are you building a warehouse or delivering medical care?

• Length of stay
  When engaged in international business travel, the longer the stay = the more opportunity for risk.

To reduce risk and maximize productivity, businesses engaged in cross-border commerce should consider foreign general liability insurance (in addition to travel insurance and medical insurance). Domestic liability policies may not cover legal expenses brought in foreign courts.

International business insurance coverage options

• Foreign Commercial Property Insurance

• Foreign Business Automobile Insurance

• Mexico Business Automobile Insurance (this link will take you to a digital application from Mexipass, our partner for vehicle insurance in Mexico)

• Foreign Voluntary Workers’ Compensation and Employers’ Liability Insurance

• Kidnap, Ransom and Extortion Insurance

• International Cyber Insurance

• International Travel Insurance

• International Medical Insurance

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Foreign commercial property insurance

This policy provides coverage for business property taken on an international trip such as laptop computers, trade show equipment or samples of commercial products.

If you have a manufacturing or back-office location in another country, a more extensive, and sometimes separate, policy should be purchased in conjunction with the foreign package policy. 

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Foreign business automobile insurance

This policy can provide liability and physical-damage coverage for hired and non-owned vehicles operated in other countries. Note: This coverage is intended to be over and above the local insurance required by the rental company in the foreign country.

Looking for automobile coverage in Mexico?
We partner with Mexipass, our trusted broker for Mexico Business Automobile Insurance. The link will take you to a Mexipass digital application.

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Foreign voluntary workers’ compensation and employers’ liability insurance

This coverage extends workers’ compensation benefits to employees when traveling outside of the United States. This can also include coverage for medical assistance programs and expenses for repatriation (for example, the transportation of a sick or injured employee back to the United States).

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Kidnap, ransom and extortion insurance

If a key executive (and family members) is headed to a high-risk region, this policy could be of value in a time of crisis. In addition, employees of any rank may be at risk in global conflict hotspots. While kidnapping can happen to anyone, executives and high-profile individuals are more likely to be in the sights of criminals. Kidnapping and Ransom Insurance provides reimbursement of funds paid to satisfy ransom demands. It also covers related costs, such as expenditures for attorneys, negotiators and other services needed to free the captive business traveler.

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International cyber insurance

Cyber coverage, whether international or domestic, provides similar resources. Cyber liability coverage provides funds to notify people whose data may have been compromised and for legal defense. Some regions of the world, however, carry a great risk of cyber attacks directed toward visitors. For this reason, international cyber insurance may be a sound business investment.

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