Global Coverage Territory

Foreign General Liability Insurance

Standard US general liability policies typically exclude claims arising from operations outside the United States. Foreign GL fills that gap — protecting your business from third-party bodily injury and property damage claims wherever your projects take you.

Why US Contractors Need Foreign GL

Most US general liability policies contain a "coverage territory" definition that limits protection to the United States, its territories and possessions, and Canada. An injury to a local worker or bystander at your overseas jobsite is simply not covered — leaving you fully exposed to foreign court judgments and local legal costs.

Foreign general liability insurance extends your coverage territory worldwide, providing the same protections you have domestically — but for your international operations. Foreign GL can be written as a standalone policy or as a companion to your domestic GL.

Third-party bodily injury claims overseas
Property damage to foreign third parties
Personal and advertising injury
Products and completed operations liability
Contractual liability (assumed in contracts)
Coverage in countries excluded from domestic policies
Foreign liability insurance for international contractors

What's NOT covered by Foreign GL

Your own employees' injuries (requires DBA or FVWC)
Your own property damage (requires inland marine or equipment floater)
Professional errors and omissions (requires professional liability)
Losses from sanctioned countries (OFAC exclusions apply)

Worldwide Coverage

Coverage territory extends to 140+ countries. We can write policies covering operations on every continent.

Defense Costs Included

Foreign GL includes defense costs to respond to claims filed in foreign courts — often expensive for US contractors.

Contract Compliance

Many overseas clients and project owners require proof of local liability insurance. Our policies satisfy most foreign contract requirements.

Protect Your Overseas Operations Today

Get foreign liability coverage before your next international project kicks off.

Get a Foreign GL Quote