Cross-Border Liability Insurance
Standard US general liability policies are geographically limited. A claim arising from your operations in Germany, Brazil, or Singapore won't be covered. Cross-border liability insurance extends your protection worldwide — covering third-party claims wherever your business operates.
Why US GL Stops at the Border
Most US commercial general liability policies define "coverage territory" as the United States, its territories and possessions, Puerto Rico, and Canada. Operations — and resulting claims — outside that territory are simply not covered, regardless of how clearly the incident relates to your US-based business activities.
This is not a technicality. Carriers routinely and successfully deny overseas claims on domestic GL policies. The coverage territory exclusion is one of the most litigated provisions in commercial insurance, and carriers prevail consistently when the loss occurs outside the defined territory.
A lawsuit filed in a foreign court against your company for a claim that occurred abroad will not be defended or paid by your domestic GL policy. You need foreign GL.
What Cross-Border GL Covers:
What Foreign GL Does NOT Cover
These exposures require separate specialty coverage lines, which we can also arrange.
140+ Country Coverage
We write foreign GL covering operations in over 140 countries. High-risk regions may require additional endorsements.
Defense Costs Included
Foreign GL includes defense costs for claims filed in foreign courts — often the most expensive part of an international claim.
Certificate Issuance
We issue certificates of insurance that satisfy local client and project owner requirements in foreign countries.
Close Your International Liability Gap
Get cross-border GL coverage that actually follows your business worldwide.
Get a Foreign GL Quote