Multinational Business Insurance Solutions

Multinational/Global Business Insurance

Could Your Multinational Coverage Be Missing Something?

Simply having multinational coverage may not be enough. Our research shows that most mid- to large-size businesses are uninsured, underinsured or improperly insured. We partner with businesses and their agents and brokers to create global risk solutions that meet their specific business and risk finance needs. Check out The Hartford's Whitepaper in partnership with Advisen to learn more about structuring multinational insurance programs for the Middle Market.
 
 
 

A Spectrum of Coverage That Goes Far and Wide

For U.S. companies that do business in more than one country, every border introduces a whole new set of challenges. Laws, customs and language barriers can turn an insurance need or claim into a maze.
 
To help you manage it all, our multinational products can provide coverage in over 150 countries with a single point of contact in the U.S. and the same high commitment to quality and customer service that you have come to expect from The Hartford. It’s borderless insurance, delivering one coordinated insurance program for every risk we cover. Helping you get past borders to a world of opportunities.
 
You may conduct business overseas in a variety of ways. The Hartford offers insurance packages for a wide range of these ventures, from occasional trips to manufacturing plants.
 
You will have access to strong risk engineering services, just as you do stateside. And consistent, coordinated, high quality claims services. So you can put aside worries about unknown risks on unfamiliar turf.
Protect your employees wherever they venture. Whenever your employees journey abroad for business or temporary assignments, we can cover them while they’re going about their business with The Hartford Passport Package.
 
Coverage extends to:
 
  • Participating in multinational exhibitions, trade fairs or conferences
  • Sponsoring trips, tours or study groups abroad
  • Performing service or repair work abroad
Protection that goes beyond business trips to multinational commerce. The Hartford Exporter’s Package is for those with more stakes in multinational business, but who have no permanent employees, manufacturing plants, retail stores or other physical locations outside the U.S.
 
It covers the same activities protected under our passport package, in addition to:
 
  • Importing or exporting raw materials or finished products, or selling services to customers outside the U.S.
  • Using the internet to advertise or sell products or services to customers in foreign countries
It’s simple, cost-effective coverage, including:
 
Commercial general liability – Provides protection for claims brought outside the U.S., including:
 
  • Bodily injury and property damage
  • Employee benefits liability
  • Personal and advertising injury
  • Medical payments
Other coverages:
 
  • Commercial, personal and miscellaneous property
  • Business travel accident
  • Employers’ responsibility and travel assistance
  • Commercial auto liability
  • Kidnap and extortion coverage
The Hartford’s Controlled Master Program (CMP) combines our Multinational Choice Master Policy with local admitted policies – in one coordinated insurance program.

It provides the same kind of high level of coverage you expect in the U.S. combined with The Hartford’s multinational expertise and local placement capabilities.
 
That includes:
 
  • Local admitted policies issued through our partnership with AXA, one of the largest international insurers in the world, or other local insurers
  • Many lines of business available, aligned with domestic coverages: Property, equipment breakdown, transit, ocean cargo, professional liability, general liability, auto, employers’ responsibility, business travel accident, kidnap & ransom, and more
  • Travel support services for business travel provided through a global vendor
Our Multinational Choice Master Policy covers you worldwide, excluding the U.S., Canada and Puerto Rico, with an option to include Canada:
 
  • Issued in U.S. dollars; paid in U.S. dollars
  • Insured by The Hartford
  • Difference in conditions/difference in limits provisions
  • Primary when not covered by local policy, where permitted

Local Policies

These are issued by our partner carriers (primarily within the AXA global network).
 
  • Issued in local currency, paid in local currency
  • Good local standard policies
  • Compliant with local laws and regulations
  • Specific to country and line of business
  • Claims paid locally

Addressing the unique risks associated with foreign operations.

With The Hartford Multinational Choice, you can face the unknown overseas with more confidence.
 
  • A seamless, coordinated, positive customer experience, whether the risk is domestic or multinational
  • Peace of mind with good local standard policies for foreign risks, in compliance with local legislation
An unexpected illness, toothache or forgotten medication can ruin a trip. Fortunately, with Travel Support Services, included with The Hartford’s Exporters or CMP policies, help is only a phone call away.
 
Whenever you travel outside your country on trips of 180 days or less, you can count on The Hartford’s service provider, Generali Global Assistance USA* (GGA). Medical, personal and security assistance services are available to you from GGA. Here’s what that means:
 
  • Local assistance in 200 countries and territories worldwide
  • 35 24/7 assistance centers staffed with multilingual assistance coordinators and case managers
  • Medical and security staff
  • Online access from your computer or mobile device 24/7 from anywhere in the world
     
* These travel assistance services are provided by our service provider, Europ Assistance USA/Generali Global Assistance USA. These entities are not affiliated with The Hartford and are not providers of insurance services.
To ensure that your claims service needs are met with a high level of competence and success, The Hartford provides:
 
  • A dedicated international claims coordination unit
  • Access to an international network of local claim experts that provide responsive and efficient claim management
  • Experts who can tap into local claim investigators and attorneys who know the customs and laws of their respective countries
 
Travel support assistance services are provided by our service provider, Europ Assistance USA/Generali Global Assistance USA. These entities are not affiliated with The Hartford and are not providers of any insurance coverage.

Foreign local policies may be underwritten by affiliates and partners in the AXA Corporate Solutions Assurances network or by other locally licensed foreign insurers. The Exporters and CMP policies are underwritten by Hartford Fire Insurance Company in the U.S. and issued to the U.S.-based insured, covering its financial interest relating to its exposures located outside of the U.S. Generally, claims under foreign local policies will be adjusted and paid locally by the local insurer with Hartford providing oversight and serving as the U.S. insured’s point of contact in the U.S. Claims under the Exporters and CMP policies will generally be handled in the U.S. and paid to the U.S. insured in accordance with the terms and conditions of the policies. Hartford may contract with AXA Matrix Risk Consultants and other risk consultants to perform risk engineering services outside of the U.S.
 
Not all coverages are offered in all jurisdictions and no coverage may be provided in some jurisdictions where restricted by law. All policies should be read carefully to identify all exclusions, limitations, and other terms and conditions. In the event of a conflict between any policy and this document, the terms and conditions of the policy shall control.
 
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.

Why Multinational From The Hartford?

As a truly global partner, learn how we can help meet your clients’ needs.

Multinational Choice

Engaged in multinational commerce? See how The Hartford can help protect your business.

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The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.