Property and Liability Insurance

International Business

International Property and Liability Insurance

Clements International has combined the coverage necessary to protect the assets of your organization in one easy-to-understand, specially priced program. Our program provides replacement cost coverage for the property you own and can include coverage for General Liability, Crime, Workers Compensation, and Excess Auto Liability.

The Foreign Commercial Package offers dependable coverage exceeding the expectations of organizations operating in the global market. Our program can be designed to meet the specific needs of your organization.

Your Foreign Package can include (click on the coverage for a description):

Commercial Property
Protects buildings, inventory, and their contents from fire, lightning, vandalism, and other covered losses.

General Liability
Protection for legal liability to others, resulting from your organization's premises, products, and operations. Coverage can also be extended to include risks arising from libel, slander, defamation and copyright infringement.

Employment Practices Liability
This coverage protects the organization if charges of Discrimination, Wrongful Termination, Sexual Harassment, or other employment related suits are brought.

Employee Dishonesty
Covers the loss of money and business property as a result of theft or burglary by an employee or group of employees.

Loss of Business Income Protection
This coverage will help your organization compensate for the loss of money your business would have earned if you are forced to temporarily close your doors due to a covered loss.

Computer and Data Coverage
Protection for your organization’s computer hardware, data processing systems, and software if damaged or destroyed by a covered loss.

Medical Payments Coverage
Coverage for medical expenses incurred as a result of any injury at your place of business regardless of legal liability.

Earthquake and Flood Coverage
Protection against property damage as a result of earthquake and/or flood.

Workers Compensation (International Staff)
Necessary and important medical and income continuation protection against injuries sustained while on the job.

Excess Auto Liability Coverage
Worldwide coverage for automobile liability losses in excess of local liability policy.

Equipment Breakdown Coverage (Heating, Ventilation and Air Conditioning Equipment)
Coverage for loss due to accidents involving the operation of pressure, mechanical, and electrical equipment. Covers loss of the boiler and equipment itself, damage to other property, and business interruption losses.

Kidnap & Ransom
This coverage will provide assistance to the family and business including independent investigations, negotiations, arrangement and delivery of funds, and numerous other services vital to a safe, speedy and satisfactory resolution.

Travel Medical
Travel Medical provides short-term medical insurance coverage for U.S. citizens and foreign nationals who need temporary medical insurance while traveling for business or pleasure anywhere outside their country of citizenship.