But what about the risks?

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Click below for

more information

Companies who need

this coverage

Product Portfolio

➤ Commercial

General Liability

➤ Commercial

Automobile Liability

➤ Employers

Responsibility

➤ International Medical

and AD&D

➤ Commercial Property

& Business Income

➤ Kidnap & Extortion

Executive Assistance

Network of Offices

About ACE USA/

Financial Stability

Fact Sheets

Claim Scenarios

Applications

Contact Us

Legal

about

the risks?

Q : Are we covered for third party liability?

A : Yes.

See COMMERCIAL GENERAL LIABILITY

Q : What if we have a car accident?

A : We’re covered.

See COMMERCIAL AUTOMOBILE

Q : What if we get sick overseas?

A : We have emergency medical coverage.

See INTERNATIONAL MEDICAL AND AD&D

Q : What if the illness is really serious?

A : We’ll be evacuated.

See EMPLOYERS RESPONSIBILITY

Q : What if our laptops are stolen?

A : We’ll be reimbursed.

See COMMERCIAL PROPERTY & BUSINESS INCOME

Q : What if we’re kidnapped?

A : Expert security consultants will work to get us released.

See KIDNAP & EXTORTION

Q : And what if we’re detained by the authorities?

A : There’s a number to call for emergency help.

See EXECUTIVE ASSISTANCE

®

Okay let’s get going!

ACE USA International Advantage

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Companies

who need

this coverage

ACE USA’s International Advantage

Policy is the ideal insurance

pro-gram for U.S. organizations who:

• have employees who travel

internationally

• have employees temporarily or

permanently stationed

in foreign countries

• participate in international

exhibitions or trade fairs

• export products outside the U.S.

• have foreign licensees selling the

company’s products

• perform service or repair work abroad

• work on any military bases overseas

• sponsor trips, tours or study

groups abroad

• have international operations or

sales offices

• advertise or sell products or services

on the World Wide Web

Please take a few moments now to review

our extensive

PRODUCT PORTFOLIO.

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Take away the risk, and you can do anything.

Legal

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Product

Portfolio:

an array of

global

coverages

We offer a single, easy-to-read

package that protects against

the many financial and

personal risks of doing business

overseas. We can tailor a

program to include some or

all of the products listed below

for qualified risks:

COMMERCIAL GENERAL LIABILITY COMMERCIAL AUTOMOBILE LIABILITY EMPLOYERS RESPONSIBILITY INTERNATIONAL MEDICAL AND AD&D

COMMERCIAL PROPERTY & BUSINESS INCOME KIDNAP & EXTORTION

Other specialized coverage options:

EDUCATIONAL INSTITUTIONS

POLICY APPLICATION FORMS Previous Page

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Take away the risk, and you can do anything.

Legal

(4)

Commercial

General Liability

Why Coverage is Needed

• Many U.S. companies count on domestic comprehensive GL policy

for worldwide exposures.

• Domestic GL coverage applies only if lawsuits are brought within

U.S. borders.

• No insurance safety net if taken to court in foreign country.

MORE REAL WORLD CLAIM SCENARIOS GL COVERAGES, LIMITS & FEATURES POLICY APPLICATION FORMS

Real World Claim Scenario:

Bodily Injury Liability in Colombia

• U.S.-based contractor visits prospective client at construction

site in Bogota.

• Contractor trips, causing chain of events ending with

suspended beam crashing into group of Bogota firm’s workers.

• Four employees are seriously injured, and bring suit in

Colombian courts against U.S. firm.

• Foreign suit/foreign occurrence is not covered under

contractor’s U.S. GL policy.

The ACE USA

Solution:

International

Advantage policy

covers defense costs

and covers judgment

against U.S. firm.

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Commercial

General Liability

GL Coverages, Limits & Features

Coverages

• Bodily Injury and Property Damage Liability, Employee

Benefits Liability, Personal and Advertising Injury Liability, Medical

Payments

Limits

• $1 million each occurrence BI/PD & per claim for Employee Benefits

• No general aggregate

• $1 million aggregate for Products-Completed Operations

• $1 million aggregate for Personal & Advertising Injury

• $10,000 per person/$1 million each occurrence for Medical

Payments

Features

• Covers occurrences in any country except U.S.; Claims/suits may be

brought anywhere

• Coverage also applies to U.S. occurrences, provided claim or suit is

brought outside U.S.

• Coverage is on pay-on-behalf-of or to indemnify basis

• Premises damage is on all risks basis

MORE REAL WORLD CLAIM SCENARIOS Previous Page

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More GL Claim Scenarios

Commercial

General Liability

GL COVERAGES, LIMITS & FEATURES POLICY APPLICATION FORMS

The ACE USA Solution:

International

Advantage policy

insures the U.S.

manufacturer

against costly

settlement. While

case is dismissed,

U.S. manufacturer’s

court costs are paid

through policy.

International

Advantage policy

covers against

premises damage to

the rented

apart-ment resulting from

all perils.

International

Advantage policy

covers losses

occur-ring in Russia and

majority of other

countries.

Contractors Liability in Russia

• U.S. contractor is hired to install equipment at Russian

customer’s location.

• Contractor uses sub-contractor with low limits of insurance.

• Loss occurs and suit is brought against U.S contractor in Russia,

a location not covered by U.S. GL policy.

Premises Legal Damages in South Africa

• After 12-hour flight to South Africa, employee draws bath at

rented corporate apartment and lies down to rest as tub fills.

• Employee dozes off and tub overflows, causing damage not only

to apartment, but to three floors of building below.

• Claim results in substantial premises legal damages not covered

under domestic GL policy, as it only provides coverage due

to loss by fire.

Products Liability in Germany

• U.S. metal goods manufacturer exports round metal disks made

to specifications for German soda bottler.

• Buyer uses disks to make bottle caps, and one blows off glass

bottle, blinding a child.

• Both bottler and U.S. manufacturer are sued in German court.

• Foreign suit/foreign occurrence is not covered under

manufacturer’s U.S. GL policy.

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Why Coverage is Needed

• Companies doing business overseas find that local, admitted auto

insurance often fails to provide U.S.-style coverage or limits.

• As result, most U.S. firms purchase difference in conditions (DIC)

and excess coverage for damages and injuries to those using,

owning, hiring or maintaining vehicles abroad.

The brokerage firm’s

International

Advan-tage DIC coverage

responds to lawsuit,

provided vehicle is

used for firm’s

business.

Commercial Auto

AUTO COVERAGES, LIMITS & FEATURES POLICY APPLICATION FORMS

U.S. Driver Not Covered Under Japanese Policy

• U.S.-based on-line brokerage firm hires American manager to

open new branch office in Japan.

• Manager loans his leased vehicle to employee, another American.

• Employee, not covered by rental company’s policy, causes

acci-dent with car carrying Japanese family, resulting in serious

injuries and lawsuit against brokerage firm.

Real World Claim Scenario:

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Commercial Auto

Auto Coverages, Limits & Features

Coverages

• Auto Bodily Injury, Property Damage Liability

Limits

• $1 million each accident combined BI/PD single limit

Features

• Covers accidents in any country except U.S.; Claims/suits may be

brought anywhere

• Applies to any auto of insured, including owned, hired and

non-owned vehicles

• Difference in coverage over any foreign auto insurance

• Hired Auto Physical Damage at limits of $1,000 per accident and

$10,000 per policy

• Coverage is pay-on-behalf-of where permitted by law; otherwise on

to indemnify basis

POLICY APPLICATION FORMS Previous Page

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Why Coverage is Needed

• Accidents and illnesses occur when employees travel overseas on

company business.

• Prudent employers carry voluntary compensation and related

coverages that extend well beyond U.S. borders.

• Employers doing government work beyond U.S. borders need

DEFENSE BASE ACT COVERAGE

for military and non-military projects.

Employers

Responsibility

Claim Scenarios

Repatriation: U.S. National Requiring Evacuation After Illness

• U.S. citizen on business trip to China suffers broken hip and

sustains life-threatening injuries.

• To receive proper medical treatment, she is medically evacuated

to Hong Kong.

International

Advan-tage policy pays

repatriation costs

under Executive

Assistance service.

EMPLOYERS RESPONSIBILITY COVERAGES, LIMITS & FEATURES MORE EMPLOYERS RESPONSIBILITY CLAIM SCENARIOS Previous Page

Main Menu

Next Page Voluntary Compensation: Mexican National Traveling in South America

• U.S. distributor and newly-hired Mexican salesperson make joint

business calls in Chile and Brazil.

• While in Brazil, salesperson trips and falls down flight of stairs.

• Mexican Social Security system provides no medical coverage for

work injury sustained outside Mexico.

International

Advan-tage policy provides

Mexican Work Injury

benefits when injury

occurs while

em-ployee is working.

Employers Liability: Australian Employee Suing U.S.-based Employer

• Australian heavy equipment operator is hired by U.S. contractor

for Middle East pipeline project.

• Australian is injured when equipment jams and collects comp

benefits, but files multi-million dollar suit against employer for

negligent equipment maintenance.

International

Advan-tage policy covers

employer for defense

against employee’s

suit.

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Employers Responsibility Coverages, Limits & Features

Coverages

• Employers Liability, Voluntary Compensation, Repatriation

Limits

• $1 million Bodily Injury to employees for Accident or Endemic

Disease for EL

• Statutory Workers’ Compensation benefits for Voluntary Compensation

• $250,000 Medical Evacuation/Repatriation

Features

• Employers Liability applies to ALL employees; Coverage is for

accidents or disease contracted outside U.S.; Claims/suits may be

brought anywhere

• Voluntary Compensation available to U.S. & non-U.S. employees;

Coverage fills gaps where standard Workers’ Compensation does not

apply

• EXECUTIVE ASSISTANCE

®

, a valuable array of emergency travel services

MORE EMPLOYERS RESPONSIBILITY CLAIM SCENARIOS POLICY APPLICATION FORMS

Employers

Responsibility

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Employers

Responsibility

More Employers Responsibility Claim Scenarios

EMPLOYERS RESPONSIBILITY COVERAGES, LIMITS & FEATURES POLICY APPLICATION FORMS

Provided Hepatitis B

is contracted in

Latin America as

result of

employ-ment, voluntary

compensation

applies under

International

Advantage policy.

Voluntary Compensation: U.S. National Stationed in Latin America

• While working in Latin America, U.S.-based chief engineer

contracts Hepatitis B.

• Employee has no coverage for endemic disease under domestic

workers’ compensation policy.

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International

Advan-tage policy provides

workers’

compensa-tion on voluntary

basis, if employer

chooses to provide

such benefits prior

to accident.

Voluntary Compensation: U.S.-based Executive Traveling in Asia

• Executive officer who is U.S. citizen travels to Vietnam to explore

new business opportunity, and is involved in serious auto accident.

• Since he is not subject to U.S. workers’ compensation laws

because of status as executive officer, domestic workers’

compen-sation policy affords him no coverage.

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Why Coverage is Needed

• International employers must coordinate coverages to protect

employees against financial loss from either occupational or

non-occupational injuries and illnesses.

• Many purchase optional medical and accidental death and

dismem-berment (AD&D) insurance that works in conjunction with

domes-tic and foreign voluntary workers’ compensation.

• Result is true 24-hour protection for employee business travelers

and dependents.

International Medical

and AD&D

Real World Claim Scenario:

International

Advan-tage policy covers

expenses and/or

out-of-network charges if

individual’s plan does

not, and guarantees

payments to hospital.

MEDICAL AND AD&D COVERAGES, LIMITS & FEATURES MORE MEDICAL AND AD&D CLAIM SCENARIOS POLICY APPLICATION FORMS

U.S.-based Employee Traveling to Australia

• Employee of U.S.-based information technology firm travels to

Australia to do audit.

• After suffering heart attack in hotel room, he is treated at local

hospital, but required to pay bills by credit card.

• Back in U.S., he files claim with local HMO, only to find he is not

covered for extra-territorial medical reimbursement.

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Medical and AD&D Coverages, Limits & Features

Coverages

• Accidental Death & Dismemberment, Medical Expense

Limits

• AD&D for employees – $100,000 or $250,000 are available

• AD&D for spouse – $50,000; for child – $25,000

• Medical expense limits of $10,000 or $25,000 are available for

employee, spouse or child

Features

• Coverage available to employees and family members

• Covers personal side trips (up to two weeks) in conjunction with

business travel

MORE MEDICAL AND AD&D CLAIM SCENARIOS FACT SHEET WITH MORE DETAILS

POLICY APPLICATION FORMS

International Medical

and AD&D

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International Medical

and AD&D

British National Traveling to U.S.

• U.K.-based executive of U.S. firm travels to New York for

interna-tional trade show, and is hospitalized for pulmonary embolism.

• Employee’s individual medical plan does not extend coverage

outside U.K.

MEDICAL AND AD&D COVERAGES, LIMITS & FEATURES FACT SHEET WITH MORE DETAILS

International

Advan-tage policy pays all

incurred expenses,

less deductible.

Because Israeli

man’s employer

has International

Advantage policy,

ACE office in Japan

makes payments

directly to hospital.

More Medical and AD&D Claim Scenarios

Israeli National Traveling to Japan

• While visiting Japanese work site for his employer, a U.S.-based

semi-conductor company, Israeli national slips in hotel bathtub,

severely injuring back and spine.

• Worker is taken to Japanese hospital, but has no coverage under

his home country’s national health plan.

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Why Coverage is Needed

• Doing business globally involves property exposures of all types and

sizes – from salesperson’s samples to sprawling office complexes.

• Companies with operations in foreign markets need broad

protec-tion from insurer familiar with all policies and extensions required

by local jurisdictions.

Commercial Property &

Business Income

International

Advan-tage policy pays for

property damage at

covered location

(subject to applicable

deductible, policy

limits, and policy

terms and conditions).

PROPERTY COVERAGES, LIMITS & FEATURES MORE PROPERTY CLAIM SCENARIOS POLICY APPLICATION FORMS High Winds Strike Sales Office in France

• U.S.-based service company maintains sales office in France.

• During severe thunderstorm, building’s windows are blown out

and office equipment is damaged by rain.

Real World Claim Scenario:

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Property Coverages, Limits & Features

Coverages

• Buildings, Personal Property, Personal Property in Transit, Personal

Property on Exhibition, Sales Samples, Business Income, Cargo

Limits

• Replacement Cost

• $1,000 standard deductible

Features

• No co-insurance provision

• Built-in inflation guard

FACT SHEET WITH MORE DETAILS MORE PROPERTY CLAIM SCENARIOS POLICY APPLICATION FORMS

Commercial Property &

Business Income

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Commercial Property &

Business Income

FACT SHEET WITH MORE DETAILS POLICY APPLICATION FORMS Europe-bound Cargo Destroyed in Heavy Seas

• U.S.-based manufacturer ships approximately $1 million in goods

to Europe annually.

• Cargo ship carrying $25,000 shipment for company is crippled by

high seas and takes on water; all merchandise aboard is

de-stroyed.

International

Advan-tage policy pays for

all cargo losses in

course of shipment

(subject to

appli-cable deductible,

policy limits, and

policy terms and

conditions).

Because salesman’s

employer has

Inter-national Advantage

Policy, company is

reimbursed for loss

of samples (subject

to applicable

deduct-ible, policy limits,

and policy terms and

conditions).

More Property Claim Scenarios

Samples Stolen at Tokyo Conference

• U.S.-based employee travels to Tokyo for industry trade show.

• As salesman attends opening reception, thief enters hotel room

and steals samples worth $5,000.

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Kidnap & Extortion

KIDNAP & EXTORTION COVERAGES, LIMITS & FEATURES POLICY APPLICATION FORMS

Real World Claim Scenarios:

International Advantage Policy covers

ransom money and related expenses

result-ing directly from kidnappresult-ing incident.

ACE USA, in partnership with Control Risks

Group, provides expert security consultant

to evaluate situation, advise on possible

options, and coordinate crisis management.

Spanish Terrorists Seek $1 Million Payment from American Firm

• U.S.-based manufacturer generates

25 percent of revenues from products

sold in Europe.

• Terrorist organization in Spain contacts

New York headquarters and threatens to

contaminate goods in European supply

chain unless it receives $1 million.

International Advantage policy reimburses

extortion money paid by insured directly

following incident. ACE USA, in partnership

with Control Risks Group, provides priority

crisis response and expert advice to help

manage and resolve incident as quickly as

possible.

Why Coverage is Needed

• As worldwide commerce grows, so does risk of kidnapping for

corporate executives, key employees, wealthy citizens, and their

families.

• Executives now kidnapped at rate exceeding 1,000 per year.

• High-profile multinational firms are prime targets for extortion

attempts by opportunistic criminals.

U.S.-based Employee Abducted in Panama

• Executive of U.S.-based retailer travels to

Panama for two-week business trip.

• On way from airport to hotel by taxi,

she is abducted and held for $500,000

ransom.

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Kidnap & Extortion Coverages, Limits & Features

Coverages

• Kidnapping, Alleged Kidnapping, Bodily Injury Extortion, Property

Extortion, Product Adulteration Extortion, Proprietary Information

Extortion

Limits

• Options from $250,000 to $2.5 million

Features

• Worldwide coverage territory

• Prevention and response efforts coordinated by Control Risks

Group:

– Provides businesses, governments, and individuals with 24-hour

professional security and crisis management support

– Founded in 1975, currently works with more than 3,000 clients

in over 130 countries

– World’s leading provider of kidnap crisis response services

– Employs multidisciplinary approach, offering priority access to

consultants & analysts from wide range of professional

back-grounds

Kidnap & Extortion

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Executive Assistance

Services

Why This Service is Needed

• Employees who travel abroad face more potential problems than

those traveling domestically.

• Overseas travelers routinely encounter uncertain political and

economic climates, difficult language barriers, and unusual local

customs and laws.

• When companies are prepared to deal with such factors, employees

focus more energy on achieving business objectives.

The Advantage to Traveling Employees

Executive Assistance is a package of services available with ACE USA

Employers Responsibility coverage. Traveling employees have

24-hour telephone access to the following services:

Medical Assistance

Gives employees access to qualified, English-speaking physicians,

verifies benefits, and coordinates claims anywhere around the

globe.

Travel & Personal Assistance

Provides embassy and consular contacts worldwide, and assistance

in replacing lost documents.

Legal Assistance

Connects employees with local attorneys familiar with court

sys-tems in foreign countries, as well as local language translation

services.

Security Assistance

Offers travelers pre-trip security briefings and up-to-the-minute

reports on political and cultural trouble spots.

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Global Network of Offices

International Advantage features:

• An extensive network of operations (see map) with strong business

roots in the nearly 50 countries and markets we serve.

• Global offices staffed primarily by local nationals familiar with local

laws and customs.

• A history dating back nearly 80 years in many countries around the

world.

• A strong platform for growth in emerging international business

centers, including Latin America and Southeast Asia.

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About ACE USA

ACE USA:

• Is the U.S.-based operating division of the ACE Group of Companies.

• Offers property and casualty products and services to a broad range

of local and multinational businesses.

• Makes International Advantage

and other ACE USA coverage and

service programs available through leading insurance agents and

brokers throughout the U.S.

The ACE Group of Companies:

• Was formed in 1985 by major international insurers to provide

excess liability coverage, and quickly became a principal player on

the world insurance scene.

• Currently has companies operating in all major markets and many

emerging nations.

• Is led by ACE Limited (NYSE:ACE).

Financial Stability

Another good reason for selecting ACE USA: the International

Advantage package policy is underwritten by ACE American

Insurance Company, rated A (Excellent) by A.M. Best.

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Fact Sheets

Click on any of the links below for additional information on

coverages or services offered by ACE USA International Advantage.

A separate fact sheet contains

REAL WORLD CLAIM SCENARIOS

for each

of our products.

Coverages

INTERNATIONAL MEDICAL INSURANCE BENEFITS AND AD&D COVERAGE INTERNATIONAL PROPERTY COVERAGE

DEFENSE BASE ACT COVERAGE

Special Coverage Programs

EDUCATIONAL INSTITUTIONS WITH STUDENTS WHO STUDY ABROAD

Services

EXECUTIVE ASSISTANCE® INTERNATIONAL CLAIM SERVICES Previous Page

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Real World Claim Scenarios: Why It Pays to Have Protection

ACE USA International Advantage®

1 Beaver Valley Road 1 West Wilmington, DE 19850 800.204.0518 main 302.476.6456 fax www.ace-ina.com

General Liability

Many U.S. companies rely on their domestic comprehensive

general liability policy for worldwide exposures. Such firms

are covered as long as lawsuits are brought within U.S.

bor-ders, but they’re without an insurance safety net if taken to

court in a foreign country.

Bodily Injury Liability in Colombia

A U.S.-based contractor visits a prospective client at a construction site in Bogota. The contractor trips, causing a chain of events ending with a suspended beam crashing into a group of the Bogota firm’s workers. Four employees are seriously injured, and bring suit in Colombian courts against the U.S. firm. The foreign suit/foreign occurrence is not covered under the contractor’s U.S. general liability policy.

Products Liability in Germany

A U.S. metal goods manufacturer exports round metal disks made to specifications for a German soda bottler. The bottler uses the disks to make bottle caps. A bottle cap blows off a glass bottle, blinding a child. Both the bottler and the U.S. manufacturer are sued in German court. The foreign suit/foreign occurrence is not covered under the manufacturer’s U.S. GL policy.

Premises Legal Damages in South Africa

After a 12-hour flight to South Africa, an employee draws a bath at a rented corporate apartment and lies down to rest as the tub fills. The employee falls asleep and the tub overflows, causing damage not only to the apartment, but to three floors of the building below. The claim results in substantial premises legal damages not covered under the domestic general liability policy, as it only provides coverage due to loss by fire.

Contractors Liability in Russia

A U.S. contractor is hired to install equipment at a Russian customer’s location. The contractor uses a sub-contractor with low limits of insur-ance. A loss occurs and a suit is brought against the U.S contractor in Russia, a location not covered by his U.S. general liability policy.

Solution: An International Advantage

policy from ACE USA provides

coverage for defense costs and covers the judgment against the U.S. firm.

Solution: The International Advantage

policy insures the U.S. manufacturer against a costly settlement. While the case is dismissed, the U.S.

manufacturer’s court costs are paid through the policy.

As the following scenarios show, it pays for businesses operating globally to purchase overseas

liability insurance – and sometimes optional medical and AD&D coverage. Prudent organizations also

seek ample protection for their international property and kidnap & extortion exposures.

policy covers against premises damage to the rented apartment resulting from all perils.

policy covers losses occurring in Russia and the majority of other countries around the world.

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most U.S. firms purchase difference in conditions (DIC) and

excess coverage for damages and injuries sustained while

using, owning, hiring or maintaining vehicles abroad.

U.S. Motorist Driving in Japan

A U.S.-based on-line brokerage firm hires an American manager to open a new branch office in Japan. The manager loans his leased vehicle to an employee, another American. The employee, not covered by the rental company’s policy, causes an accident with a vehicle carrying a Japanese family, resulting in serious injuries and a lawsuit against the broker.

Employers Responsibility

Accidents and illnesses occur when employees travel overseas

on company business, and prudent employers carry voluntary

compensation and related coverages that extend well beyond

U.S. borders.

• Foreign Voluntary Compensation U.S.-based Executive Traveling in Asia

An executive officer, a U.S. citizen, travels to Vietnam to explore a new business opportunity. While away from home, he’s involved in a serious auto accident. Since he was not subject to U.S. workers’ compensation laws because of his status as an executive officer, his domestic workers’ compensation policy affords him no coverage.

Mexican National Traveling in South America

A U.S. distributor hires a salesperson in Mexico. The distributor flies to Mexico City to meet with the salesperson and make joint business calls in Mexico, Brazil and Chile. While in Brazil, the Mexican salesperson trips and falls down a flight of stairs. There is no coverage for this employee under the Mexican Social Security system, which doesn’t provide medical coverage for work injury when the employee is outside Mexico.

U.S. National Stationed in Latin America

While working in Latin America, a U.S.-based chief engineer contacts Hepatitis B. He has no coverage for endemic disease under his home state domestic workers’ compensation policy.

• Repatriation

U.S. National Requiring Evacuation after an Illness

A U.S. citizen on a business trip to China suffers a broken hip and sustains other life-threatening injuries. To receive proper medical treatment, she is medically evacuated to Hong Kong. The total cost of repatriation is $80,000.

• Employers Liability

Australian Employee Suing U.S.-based Employer

An Australian heavy equipment operator is hired by a U.S. contractor for a Middle East pipeline project. The Australian is injured when the equipment malfunctions and collects workers’ compensation benefits, but files a multi-million dollar suit against his employer for negligent

Solution: The brokerage firm’s

International Advantage DIC coverage responds to the lawsuit provided the vehicle was used in the firm’s business.

Solution: International Advantage

policy provides comp benefits on a voluntary basis if his employer chooses to provide these benefits before the accident.

policy provides Mexican Work Injury benefits to the salesperson if the injury was in the course of employment.

Solution: Provided the Hepatitis B is

contracted in Latin America as a result of employment, Voluntary Compensa-tion applies.

policy pays repatriation costs under the Executive Assistance Service.

policy covers the employer for defend-ing against the employee’s suit.

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USA International Advantage offers optional medical

insur-ance benefits and accidental death and dismemberment

(AD&D) insurance that – in conjunction with domestic and

foreign Voluntary Workers’ Compensation – provides true

24-hour protection for employee business travelers and their

dependents.

U.S.-based Employee Traveling to Australia

An employee of a U.S.-based information technology firm travels to Australia to do an audit. After suffering a heart attack in his hotel room, he is treated at a local hospital, but required to pay his bills by credit card. Back in the U.S., he files a claim with his local HMO, only to find he is not covered for extra-territorial medical reimbursement.

Israeli National Traveling to Japan

While visiting a Japanese work site for his employer, a U.S.-based semi-conductor company, an Israeli national slips in his hotel bathtub, severely injuring his back and spine. He is taken to a Japanese hospital, but has no coverage under his home country’s national health plan.

British National Traveling to U.S.

A U.K.-based employee of a U.S. firm travels to New York for an international trade show, and is hospitalized for a pulmonary embolism. His individual medical plan does not extend coverage outside the U.K.

International Property

Doing business overseas presents organizations with a wide

range of property exposures – from salesperson’s samples

to a 40-story office building. U.S. companies find that their

domestic policies rarely provide adequate coverage.

High Winds Strike Sales Office in France

A U.S.-based telecom company maintains a sales office with

60 employees in France. During a severe thunderstorm, the building’s windows are blown out and torrential rain causes thousands of dollars in damage to office equipment.

Samples Stolen at Tokyo Conference

An employee of a U.S.-based pharmaceuticals company travels to Tokyo for an industry trade show. As the salesman attends the opening reception, a thief enters his hotel room and steals samples worth $5,000.

Europe-bound Cargo Destroyed in Heavy Seas

A U.S.-based manufacturer ships approximately $1 million in goods to Europe annually. A cargo ship carrying a $25,000 shipment for the company is crippled by high seas and takes on water, causing all merchandise on board to be destroyed.

Solution: An International Advantage policy

not only covers these expenses and/or out-of-network charges if the individual’s plan does not, but ACE USA also guarantees payments to the hospital.

Solution: Because the Israeli man’s

employer has an International Advantage policy, the ACE office in Japan makes payments directly to the hospital.

policy pays all incurred expenses, less the deductible.

Solution: International Advantage policy

pays for property damage at covered location (subject to applicable deduct-ible, policy limits, and policy terms and conditions).

Solution: Because the salesman’s

employer has International Advantage policy, the company is reimbursed for the loss of the samples (subject to applicable deductible, policy limits, and policy terms and conditions).

policy pays for all cargo losses in the course of a shipment (subject to applicable deductible, policy limits, and policy terms and conditions).

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year. At the same time, we see a growing number of incidents where extortionists threaten product contamination or other ways of impacting a company’s ability to do business.

U.S.-based Employee Abducted in Panama

A top executive of U.S.-based retailer travels to Panama for a two-week business trip. On the way from the airport to the hotel by taxi, she is abducted and held for $500,000 ransom.

Spanish Terrorists Seek $1 Million Payment from American Firm

A U.S.-based manufacturer generates 25 percent of its revenues from products sold in Europe. A terrorist organization in Spain contacts the company’s New York headquarters and threatens to contaminate goods in its European supply chain unless the extortionists receive $1 million.

International Advantage – The Benefits

• Extends Coverage Overseas – Brings coverage up to U.S. standards in overseas jurisdictions.

• Local Expertise – Offices staffed by professionals thoroughly familiar with local languages, pertinent regulations and customs.

• Focuses Exclusively on International Business – Handling the overseas exposures of U.S.-based companies is our only business at ACE USA U.S. International Division.

When your workplace is the world, rely on an International Advantage policy from ACE USA for all the

protection a business might need.

Solution: International Advantage policy

covers the ransom money and related expenses resulting directly from the kidnapping incident. ACE USA, in partnership with Control Risks Group, provides an expert security consultant to evaluate the situation, advise on the possible options, and coordinate all crisis management efforts.

policy reimburses the extortion money paid by the insured directly following incident. ACE USA, in partnership with Control Risks Group, provides priority crisis response and expert advice to help manage and resolve the incident as quickly as possible.

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International Medical Insurance Benefits and AD&D Coverage

When employees journey beyond their country’s borders on business, they’re exposed to gaps in

coverage that can be costly to them and their employers. The International Advantage policy offers

optional medical insurance benefits and accidental death and dismemberment (AD&D) insurance

that – in conjunction with domestic and foreign voluntary workers’ compensation – provides 24 hour

protection for employee business travelers and their dependents.

Companies Who Need This Coverage

U.S.-based Companies Whose Employees Travel Outside the United States

Typical Coverages for Qualified Risks

I. Medical Insurance Benefits Risks Insured

• Employee illnesses and injuries when domestic and foreign Voluntary Workers’ Compen-sation excludes payment (See Benefits Schedule on back of this page)

Limits

• Limits of $10,000, $25,000 or greater are available for both employee and spousal/ dependent child coverage

Features

• Offers first dollar coverage for spouse and children traveling with employee • Coverage extends to personal trips (up to two weeks) taken in conjunction with

business travel

• Available only in conjunction with foreign voluntary Workers’ Compensation and AD&D • Excluded from coverage: normal pregnancy, routine physical exams/dental care,

eyeglasses, hearing aids, nervous or mental disorders

II. AD&D Risks Insured

• Injuries that directly result in death or loss of eye(s) and/or limb(s), speech and/or hearing up to 12 months after an accident (See Benefits Schedule on next page)

Limits

• Principal sum coverage of $100,000 or $250,000 available for employees • Optional dependent coverages are $50,000 principal sum for spouses and $25,000

principal sum for children

Features

• 24 hour door-to-door coverage from time employees and covered family members leave until they return

• Coverage extends to personal trips (up to two weeks) taken in conjunction with business travel

(continued on next page)

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1 Beaver Valley Road 1 West Wilmington, DE 19850 800.204.0518 main 302.476.6456 fax www.ace-ina.com Legal

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in-hospital and outpatient charges ($50 deductible per occurrence) • Provides up to $500 coverage per

calendar year for pre-existing conditions • Includes $1,000 coverage per occurrence

for dental expenses resulting from an accident or injury

• Pays $250 per occurrence for local ambulance service

International Advantage – The Benefits

• Helps Companies Stay Financially Strong – By insuring executives and other key employees, employers protect their financial strength.

• Gives Business Travelers Greater Peace of Mind – Frees employees to concentrate on company business objectives while traveling abroad.

• Provides Underwriting Stability – International Advantage employee benefits and AD&D coverages are underwritten by ACE American Insurance Company, rated A (Excellent) by A.M. Best.

When your workplace is the world, rely on an International Advantage policy from ACE USA for all the

protection a business might need.

loss of life

• Pays 100% of principal sum for loss of combination of any two eye(s), hand(s) or foot/feet

• Pays 50% of principal sum for loss of one eye, hand or foot

• Pays 100% of principal sum for loss of speech and hearing

• Pays 50% of principal sum for loss of speech or hearing

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The International Advantage® Property program packages broad protection for all sizes of property

exposures. From salesperson’s samples to fixed assets, we can provide organizations with all the

coverages and extensions needed for doing business outside the U.S.

Companies Who Need This Coverage

U.S.-based Companies Doing Business Outside the United States

Standard Coverages for Qualified Risks

I. Property Coverages Available

• Business and Personal Property at • Property on Exhibit

Named & Un-named Locations • Cargo

• Personal Property in Transit • Business Income & Extra Expense

• Salesperson’s Samples • Flexible Limits

• Blanket Coverage Available • Comprehensive Coverage

• No Coinsurance • Replacement Costs

Extensions of Property Coverage Available General

$100,000 Newly Acquired Building $100,000 Rents

$100,000 “Personal Property” at Any $100,000 Leasehold Interest

Newly Acquired Location _{$25,000 “Valuable Papers & Records”}

$100,000 EDP & Special Objects Research

$100,000 EDP & Special Objects $25,000 Accounts Receivable

Expediting Expense _$25,000 _{Personal Property in Transit}

$100,000 Additional Extra Expense

“Money” & “Securities”

$5,000 On the Premises $25,000 Brand and Label

$5,000 Off the Premises $25,000 Consequential Damage

Fine Arts

$10,000 Any “Covered Location”

“Deferred Payments”

$25,000 Any “Covered Location” $25,000 Pollution “Clean-up”

$25,000 Installation at Any Job Site $25,000 Fire Department Service Charge

$25,000 Inventory or Appraisals $10,000 Any One “Occurrence”

$100,000 Tenants & Neighbors Liability “Outdoor Property”

$25,000 Debris Removal

“Personal Effects”

$1,000 Per Person $25,000 Aggregate Limit –

$5,000 Per Occurrence Flood & Earthquake

$100,000 Income Tax Equalization 12% Inflation Guard

Options Available

• Higher limits available for an additional premium

The limits for extensions of Property Coverage apply in addition to the limits shown for Named Locations. When limits for Un-named Locations apply to a loss, the limits for Extensions of Property Coverage are included in the limit which applies to Un-named Locations. (continued on next page)

International Property Coverage

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Contingent (Non-owned) Locations, and Interdependent (Owned) Locations. With the purchase of Business Income and Extra Expense coverage, the following coverage extensions will be automatically included:

$100,000 At Each Newly $100,000 Public Utilities

Acquired Location _{$5,000 Auditors Fees}

$100,000 Any “Contingent $25,000 While in Transit Business Location” $25,000 Special Objects Maximum Period of Indemnity (12 Months) Options Available

• Monthly Limit of Indemnity • Reporting Adjustment

• Extended Period of Indemnity • Maximum Period of Indemnity

III. Broadened Perils Comprehensive Perils, Including

• All Risk Coverage • Theft (Except Furs, Gems, Precious Metals)

• Building Ordinance Coverage • Collapse (Except Settling, Cracking,

• Building Glass Breakage Shrinking and Expansions)

• Water Damage (Except Flood)

Preferred Classes of Business

In general, all except:

• High Hazard Chemicals, Plastics, Rubber, Textiles and Woodworking

• Catastrophe Exposures Such as Windstorm in Guam, Caribbean Islands, and the Philippines • Mexico – Maquilodora Risks

• DIC-only Coverage

• Contingent Business Interruption Where Limits Exceed $500,000 per Location

Deductible

• $1,000 per Occurrence Minimum Deductible

• $25,000 Minimum Flood and Earthquake Deductible, When Additional Limits Purchased

Global Insurance Services

Claim Handling

• Through the ACE Group’s worldwide network of claim offices, ACE USA responds quickly and effectively to minimize losses, pay damages and get companies back in business.

Risk Control & Prevention

• The expertise of ACE engineers makes our worldwide risk control and prevention services among the most complete in the industry.

International Advantage – The Benefits

• Focuses Exclusively on International Business – Handling the overseas exposures of U.S.-based companies is our only business at ACE USA U.S. International Division. • Provides Underwriting Stability – International Advantage property coverages are

underwritten by ACE American Insurance Company, rated A (Excellent) by A.M. Best.

When your workplace is the world, rely on an International Advantage policy from ACE USA for all the

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Defense Base Act Coverage

When U.S. employers contract with our federal government to complete projects beyond our country’s

borders, a specific workers’ compensation law travels with them. The Defense Base Act (DBA) is designed

to protect employees who work as civilians outside the U.S. for our nation or any other – on both

military and non-military projects. DBA coverage extends benefits payable under the U.S. Longshore

and Harborworkers’ Compensation Act, and is available through the International Advantage policy.

Companies Who Need This Coverage

U.S.-based Employers Providing DBA required Coverage for their Employees Working on U.S. Government Contracts in Foreign Countries

Coverages for Qualified Risks

Risks Insured

• For specific workers’ compensation and employers liability risks insured, refer to U.S. Code Annotated “Section 1651 et seq.”

A copy is available from any ACE USA U.S. International representative.

Employment Categories Specifying DBA Coverage

1) At any military, air or naval base.

2) Upon any lands occupied or used by the U.S. for military purposes in any Territory or possession outside the continental U.S.

3) Upon any public work in any Territory or possession outside the continental U.S. if under contract with the United States.

4) Under a contract entered into with the U.S. (or representative agency), if the contract is to be performed outside the U.S. and not within the area described above in (1), (2), and (3), for the purpose of performing public work, and such contract will require DBA insurance. This insurance will be secured prior to and be maintained during the term of the contract.

5) Under a contract approved and financed by the U.S. or any executive department or agency, if the contract is to be performed outside the U.S. under the Mutual Security Act of 1954. 6) Outside the continental U.S. by an American employer providing welfare or similar

services for the benefit of the Armed Forces pursuant to appropriate authorization by the Secretary of Defense.

Related Services

As a Department of Labor-approved carrier, ACE USA has the service and claim network in place to provide your clients with the necessary assistance while working abroad or upon their return to the U.S.

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•

employers liability insurance is underwritten by ACE American Insurance Company, rated A (Excellent) by A.M. Best.

• Focuses Exclusively on International Business – Handling the overseas exposures of U.S.-based companies is our only business at ACE USA U.S. International Division.

When your workplace is the world, rely on an International Advantage policy from ACE USA to

protect your interests in so many ways.

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Educational Institutions with Students Who Study Abroad

With more than 100,000 Americans studying abroad every year, colleges and universities face a host of

exposures unique to foreign travel. In such cases, international liability coverage is a must for the

institution, and the most prudent schools extend coverage to include students and others, as well.

What’s more, with young travelers suddenly a world away from home, who can blame them, or their

parents, for wondering where they might turn in case of emergency? Address the risks and

uncertain-ties of overseas travel with the International Advantage® policy for educational institutions.

Organizations Who Need This Coverage

Educational Institutions who:

• Sponsor study abroad or affiliated programs, tours, or trips for students, alumni or others.

• Have employees (including faculty members) stationed overseas, or who travel to foreign countries for any job-related reason.

• Have employees who own, lease, rent, hire, or borrow automobiles overseas.

Basic Coverage

Insures the Institution Against These Exposures (as Part of Comprehensive Package Policy):

• General Liability

• Contingent Automobile Liability • Employers Responsibility

– Foreign Voluntary Compensation – Employers Liability

– Medical Evacuation/Repatriation (Policy Limit: $250,000)

Basic Coverage May Be Extended to Include:

• Employees, Students, Chaperones

• Other Participants in Tours, Trips or Similar Activities

Optional Coverages (for Students, Chaperones)

The following coverages are also available through this policy:

• Accident and Sickness Medical Expense* • Accidental Death & Dismemberment (AD&D)

• Medical Evacuation/Repatriation (Policy Limit: $50,000 per covered person) including Executive Assistance®

Services

* Coverage is on a secondary basis. For primary accident & health coverage, please contact your International Advantage representative.

Product Features

Accident and Sickness Medical Expense

• Policy Limits: – $10,000 – $25,000

• Pays 100% of “reasonable and customary” in-hospital and outpatient charges ($50 deductible per occurrence)

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accident or injury

• Pays $250 per occurrence for ambulance service

AD&D

• Policy Limits: – $10,000 – $25,000 – $50,000

• Compensates for injuries directly resulting in death or loss of eye(s) and/or limb(s), speech and/or hearing up to 12 months after an accident

Features Applying to Both Emergency Medical and AD&D

• Provides 24-hour, door-to-door coverage, from the time students leave until they return • For those studying abroad, extends coverage for personal trips (of up to two weeks)

Executive Assistance

®

_{– A Service That’s Always On Call}

Quality insurance is just one reason for choosing International Advantage. Another is Executive Assistance, a package of travel-related services coordinated through two of the world’s leading providers – Worldwide Assistance and Control Risks Group. When basic coverage is extended to include traveling students, employees, chaperones and others, Executive Assistance provides these individuals with 24-hour telephone access to the following services:

Medical Assistance

Gives students and other travelers access to qualified, English-speaking physicians, verifies benefits and coordinates claims anywhere in the world.

Travel and Personal Assistance

Provides embassy and consular contacts worldwide, and assistance in replacing lost documents.

Legal Assistance

Connects travelers with local attorneys familiar with court systems in foreign countries, as well as local language translation services.

Security Assistance

Offers travelers pre-trip security briefings and updated reports on the security situation in cities worldwide.

Please review the policy for a complete description of these services.

International Advantage – The Benefits

• Helps Institutions Stay Financially Strong – Colleges and universities protect their financial strength by insuring students, employees and others overseas.

• Focuses Exclusively on International Business – Handling the overseas exposures of U.S.-based organizations is our only business at ACE USA U.S. International Division.

When your workplace is the world, rely on an International Advantage policy from ACE USA for all the protection

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When employees travel abroad, a lot can go wrong. Terrorist bombings and hijackings grab the

headlines. But what about when a business traveler:

• has a car accident and the doctor doesn’t speak English?

• is robbed of a wallet or purse?

• gets arrested – and jailed – for a seemingly minor infraction?

These incidents can take on huge proportions when they happen far away from home. That’s why

traveling employees appreciate Executive Assistance®, the 24-hour service available with Employers

Responsibility coverage under an International Advantage® policy.

Companies Who Need This Service

U.S.-based Companies Whose Employees Travel to Other Countries on Business

The Service

What It Is

• A package of emergency medical, personal, travel, and security assistance services coordinated through two of the world’s leading providers – Worldwide Assistance and Control Risks Group

For Whom Its Designed

• Employees of covered multinational organizations living outside their home country, as well as “U.S. expatriate employees,” and “employees” engaged in “temporary travel,” including their accompanying spouse, child(ren) or other companion(s)

The Four Components of Executive Assistance

I. Medical Assistance

• Emergency Medical Evacuation – When adequate medical facilities are not available locally • Repatriation – To country of which employee is resident/citizen, when medically necessary • Hospital Admission Deposit – USD $10,000

• Medical Monitoring – Including regular communication to person designated by employee • Dispatch of Doctor or Specialist – When employee’s condition cannot be adequately

assessed locally

Please review your policy for a complete description of each of these services.

II. Personal Assistance

• Pre-Trip Medical Referral Information – To multi-lingual doctors and/or addresses and phone numbers for hospitals

• Emergency Medication – Arrangements for transportation • Embassy and Consular Information

• Lost Document Assistance – For replacing important documents such as passports and credit cards

Executive Assistance

®

_Services

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• Access to Local Attorneys

• Emergency Translation/Interpreter Services and Referrals

• Benefits Verification & Claims Assistance – To coordinate with overseas claims procedures

III. Travel Assistance (when an employee is hospitalized or evacuated)

• Return of Traveling Companion/Dependents • Return of Vehicle to Rental Agency

• Emergency Family Travel Arrangements – For family members to join a hospitalized employee

IV. Security Assistance

• Travel Security Information – Access to Control Risks Group’s CityBrief, an online service, updated daily, that assesses local security conditions and other details on more than 300 cities in over 150 countries.

• CR24 – A security support center staffed by professional consultants trained to answer your security-related questions.

• Crisis Response – Incident management consulting for clients facing actual kidnaps, extortions, and illegal detention of employees. (Service arranged by but not paid for by ACE USA)

How the Service Works

Medical, Personal & Travel Assistance – through Worldwide Assistance

• Employees call the emergency phone line manned 24 hours a day by Worldwide Assistance representatives. (Not for security emergencies.)

• The operator puts the caller in touch with a professional staff of multilingual personnel, including doctors on call around the clock for consultation.

• The appropriate professional assists the employee as needed.

Security Assistance – through Control Risks Group

• Prior to taking trips, employees can visit Control Risks’ CityBrief Web site. • For more information than is provided on CityBrief, or for general security advice,

employees may contact our 24-hour CR24 security number. (Not for medical advice.) • CR24 is also available for urgent advice and action on a fee basis to clients.

International Advantage – The Benefits

• Helps Companies Stay Financially Strong – By protecting executives and other key employees, employers protect their financial strength.

When your workplace is the world, rely on an International Advantage policy from ACE USA for all the

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International Claim Service

When companies buy insurance, they’re ultimately buying the promise that their covered claims will

be paid. They want their insurer to respond quickly and effectively to minimize losses, pay the

damages and get them back in business. That’s especially true for claims in foreign countries. At

ACE USA, we deliver consistently superior claim service – start to finish.

Companies Who Need This Service

U.S.-based Companies Conduct Business Outside the United States

The Service

Claim Handling through a Global Network of Full-Service Offices

Key Features

Our goal with every claim is to achieve the best possible outcome. We accomplish this by taking a comprehensive approach to claim handling that includes the following:

Personalized Attention

• Service package tailored to meet client needs • Claims paid in any currency

• Consistent claim handling via electronic links to ACE offices worldwide

Exceptional Capabilities

• Specialists in every insurance product line

• Team of adjusters dedicated to expediting high value claims • Prompt response to catastrophes via global network of professionals

Emphasis on Recovery

• Claim costs minimized by documenting losses and securing evidence to protect insured interests

• Salvage and subrogation conducted in cases where appropriate

Proactive Litigation Management

• All suits evaluated for liability, defensibility, exposure and settlement potential • Cost-effective settlements delivered through mediation and similar ways of

resolving disputes

• Use of attorneys with qualifications and experience best-suited to situations

• Monitoring of legal cases to assure benefits received commensurate with costs incurred

International Advantage – The Benefits

• Global Presence – Gives clients access to network in cities around the world, all linked electronically to deliver prompt, reliable service.

• Local Expertise – Offices staffed by professionals thoroughly familiar with local languages, pertinent regulations and customs.

See claim service checklist on next page.

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obvious choice.

Claim Service Criteria ACE USA

Truly multinational

• owned offices conveniently located throughout the

world and electronically linked for fast response

✔

• staffed with indigenous English-speaking personnel

familiar with local languages, customs and requirements

✔

• ability to pay claims in local currencies

✔

• single company contact in U.S. to address client needs

✔

Knowledgeable

• staff understands coverages and is well

trained/experienced in claim processing

✔

Easy to do business with

• addresses inquiries promptly, investigates thoroughly, and

provides timely, meaningful claim information and settlement

✔

Thorough

• fully investigates losses, including identifying salvage

and/or subrogation opportunities

✔

Responsive

• responds promptly to reported losses and implements

contin-gency plans to maintain/reinstate clients’ business operations

✔

Extraordinary capabilities for extraordinary situations

• such as catastrophe claim management or extremely

large/complex claims

✔

Consistent

• provides high quality claim service worldwide, while effectively

meeting local requirements/differences

✔

When your workplace is the world, rely on an International Advantage policy from ACE USA for all the

protection a business might need.

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Click on any of the links below to view application forms for the

International Advantage policy.

CASUALTY APPLICATION

(Includes General Liability, Commercial Automobile, Employers

Responsibility, International Medical and AD&D)

COMMERCIAL PROPERTY & BUSINESS INCOME APPLICATION KIDNAP & EXTORTION APPLICATION