October 20, 2017

gen liab

Commercial General Liability

Commercial General Liability insurance in the United States generally covers occurrences nearly anywhere in the world, but only if suit is brought in the United States or Canada.  People or companies who may be injured or suffer property damage by “your product” or “your work” outside the United States normally sue in the country where they are resident and the injury or damage occurred.  Foreign Packages and CMPs purchased in the United States generally respond to such suits or claims brought in countries other than the United States. 

A foreign court which has passed a judgment for monetary damages from an insured in the United States may apply to the supreme court of the United States state of domicile for the enforcement of the judgment.  The state court is generally obliged to send a marshal to collect the amount of the judgment.  A better outcome is more likely if the insured has been defended in the foreign court by the international insurer or local insurer.

Business Auto Insurance

As with Commercial General Liability, Business Auto Insurance in the United States generally covers occurrences nearly anywhere in the world, but only if suit is brought in the United States or Canada.  If a U.S. insured’s employee in a rented or borrowed vehicle is involved in an accident outside the United States, there is a risk of being detained while attempting to prove financial resources. 

Like the states of the U.S.A., most countries require that motor vehicles be insured for third party liability.  Mandatory and even available limits vary from a few thousand dollars to unlimited for bodily injury in important European countries.  One service of a CMP may be to arrange a conforming local policy if the insured owns vehicles outside the United States. 


Contact us today for more information about General Liability and Business Auto Insurance or fill out our online quote form