International Insurance Program

The Saperstein Agency Inc. is able to provide insurance coverage's to business's that have offices or facilities anywhere in the world. This program is designed to provide flexible property, liability, automobile and workers compensation coverage for U.S. based customers who conduct business abroad. These customers include insured's with overseas assets, as well as exporters of manufactured products and services. You probably have an International Insurance exposure even if you just travel overseas once in a while for meetings or sales calls.

We can design a flexible insurance program to fit your needs. Whether you are a manufacturer, distributor or owner of real estate the companies that we represent will make it convenient for you to do business with them. We have developed this product to be responsive to any level of exposure - and to grow as your business grows.

Some of the companies that we represent have the ability to conduct business in over 120 countries around the world. We understand that your international interests require unique and flexible coverage's. We also understand the kind of risks your employees face when they are assigned to work overseas.

For our clients whose business requires them to travel abroad or conduct business in another country, you will never be alone. Our program features a 24 hour claim reporting service which enables you and your employees to reach a claim representative in the U.S. day or night from anywhere outside of the U.S. This worldwide claim response is at your fingertips at any hour....in any time zone.... in any language.

Wherever you do business, we stand ready to meet your needs. Our global reach is supported by local offices that are empowered to respond with flexibility, speed and expertise. We listen to your needs, understand your business and deliver peace of mind throughout the world.

         Specialized Workers Compensation coverage's that can be provided include:

Worldwide coverage for your employees

Coverage for third country nationals on assignment in the U.S.

Automatic coverage for endemic disease

Coverage for additional expenses incurred for transportation or repatriation

No requirement to schedule employees

Benefits can be paid in the injured employee's country of origin

No impact on the domestic experience modification

      Specialized International Liability coverage's can include:

Payment on behalf of your company, not on an indemnification basis for premises and products liability losses on a worldwide scale for foreign occurrence's, regardless of where a suit is brought. Limits are separate and exclusive from your domestic policy.

All employees at supervisory or higher levels are included as named insured's

Contractual Liability

Broad Form vendors

International Automobile liability

Employee dishonesty

Forgery and alteration

Payment of any U.S. tax liability, up to $100,000, for which you may become liable because a suit was settled or a claim was paid in the U.S.