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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.
General Liability
Class Code Description
Directors & Officers
Employment Practices Liability
File Claim
Executive Life
Errors & Omission E&O
Commercial Auto
International Employee
International Business Advantage
Prepaid Legal Service
State Fund
Farmers
K & K Events Insurance

 
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