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Coverage: Employers Responsibility
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One of many coverages offered in the ACE USA International Advantage® Package policy, for losses that occur outside the United States.
Outside the U.S., nothing quite compares to our nation’s own workers compensation system for comprehensive coverage. Likewise, few countries can match America’s high standard for healthcare, and U.S. travelers often require medical evacuation for emergency treatment. Addressing these realities, companies purchase employers responsibility coverage to assure seamless protection for workers living or traveling in foreign lands.
Employers Responsibility coverage automatically includes Primary Voluntary Compensation at no additional charge.
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Claim Scenarios
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Why Needed
- Accidents and illnesses occur when employees travel overseas.
- Businesses need a way to protect against employee-filed lawsuits for accidents or diseases contracted outside the U.S.
- Business travelers often require timely assistance with medical, personal, travel or security matters while overseas.
- Employers doing government work beyond U.S. borders need Defense Base Act Coverage for military and non-military projects.
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Coverages
- Voluntary compensation (overseas version of workers comp)
- Employers liability
- Repatriation
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Limits
- Voluntary compensation – statutory workers comp benefits
- Employers’ liability – $1 million bodily injury to employees for accident or endemic illness
- Medical evacuation/repatriation - $1 million policy limit
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Features
- Voluntary compensation – available to U.S. & non-U.S. employees to cover occurrences outside the U.S. where U.S. workers’ comp does not apply.
- Employers liability – covers accidents or diseases contracted outside U.S.; claims/suits may be brought anywhere.
- Medical evacuation/repatriation – one of the Executive Assistance® emergency travel services (see More Details below) available to employees covered by this policy.
- Employers responsibility is mandatory coverage when commercial general liability is not purchased as part of ACE USA International Advantage ® Package Policy.
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Frequently Asked Questions
When would coverage be needed?
If the insured will be on board a vessel in international waters, or working dockside or on board a vessel in a foreign country, MEL [Marine Employers Liability] coverage may be required.
What is Voluntary Compensation?
Workers Compensation coverage that is provided voluntarily by an employer in the absence of a statutory requirement to provide workers compensation.
What is Endemic Disease?
A disease that is constantly present to a greater or lesser degree in people of a certain class or in people living in a particular location.
What is Executive Assistance®?
Executive Assistance® refers to live services provided by our policy, including medical, legal, personal assistance, emergency political evacuation and concierge services, as well as e-Services at www.aceExecutiveAssistance.com including global security and health information. Some services may be included without charge for our policyholders. Other services may require additional payment. Please refer to the Medical Assistance and Emergency Political Evacuation limit for repatriation and evacuation coverages.
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More Details
Executive Assistance® – An array of valuable services for U.S.-based companies and non-profit organizations whose employees or volunteers travel overseas on business
- Available with employers responsibility coverage under the ACE International Advantage® Package policy.
- Coordinated through two of the world's leading providers of emergency travel services.
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