Foreign Liability Insurance For Tennessee Companies With Foreign Operations

Foreign liability insurance protects American companies and organizations from the legal exposures they face abroad, where laws, customs, and languages may be unfamiliar to their employees. This kind of policy is ideal for those companies that have permanent operations in foreign countries; commercial general liability is ordinarily sufficient for companies with employees who only occasionally travel overseas for business trips. If this is coverage that your company requires, Elite Insurance Solutions can customize a foreign liability policy that meets your unique needs and protects your assets and people.

What Is Foreign Liability Insurance?

Foreign liability is a specialty insurance policy for those American companies with a permanent branch office, manufacturing facility, construction project, or other operation located in another country. This type of insurance can protect your company and employees in a number of circumstances—among them, lawsuits related to products manufactured or distributed overseas, events or demonstrations held in other countries, or kidnap & ransom.

What Does Foreign Liability Insurance Cover And/Or Provide?

  • Protection for an employee who may face a foreign lawsuit or injury.
  • Protection for assets that may be seized.
  • Ability to continue conducting future foreign business after a lawsuit.
  • May allow foreign judgments to be satisfied in the U.S.
  • Protection from lawsuits arising related to products manufactured or distributed overseas.
  • Protection for damages or injuries arising from meetings, demonstrations, tradeshows, or other events in foreign companies.

Does My Company Need Foreign Liability Insurance?

If your answer is yes to any of the following questions, your company may require foreign liability insurance. An Elite Insurance Solutions agent will be able to tell you for sure whether or not foreign liability is necessary for your particular company.

  • Does your company manufacture and/or distribute products outside of the U.S.?
  • Does your company hold meetings, demonstrations, or tradeshows in foreign countries?
  • Do any of your employees temporarily work in foreign territory, where they may face injury or death, need immediate medical attention, or request emergency evacuation?
  • Do any of your employees need emergency travel services in the case of language barriers or political, medical, or legal problems?
  • Do your employees use a vehicle outside the U.S.?
  • Do your employees face kidnap and extortion potential?

To learn more about foreign liability insurance and what it does and does not cover, please contact one of the knowledgeable agents at Elite Insurance Solutions. An agent will be able to help you determine if it’s necessary for your business to have this type of coverage. Visit our Locations & Contact page and find the Tennessee location and agent nearest you.


You can protect your business from property loss with reliable property insurance. Elite Insurance Solutions can provide the coverage you need.

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My relationship with Barhyt Henry of Elite Insurance has been extremely beneficial to my company and myself in a variety of ways. Barhyt assisted us immensely with our insurance needs during the establishment of Vericom Global Solutions. In 2009 when we started Vericom his guidance helped us navigate the many issues related to facility, inventory and liability insurance. Vericom is a company that competes with established multi-billion dollar organizations and the support provided by Elite Insurance was more than helpful.

During the last five years I have worked with Barhyt and Elite Insurance not only for my commercial insurance requirements but also for my individual personal insurance needs. His and their support is greater appreciated, valued and timely.

~ Ken Rodgers, Knoxville, TN