International Technology Claim Scenarios
How hard is filing a technology insurance claim with Travelers?
We do our best to make the process smooth and frustration-free. For example, here are seven tough situations that were made easier because Global CompanionSM Plus+ and a world-class Claim organization from Travelers were there to help.
Commercial property - theft loss
Claim scenario
Ten laptops are taken from the policyholder's premises in Germany. The theft takes place during the lunch hour when no one is around. The local German insurer denies coverage because there was no forced entry.
Global Companion Plus+ coverage response
Travelers Global Companion Plus+ Deluxe Property coverage form provides DIC (difference-in-conditions) coverage due to the German insurer's denial of coverage.
Commercial general liability
Claim scenario
Due to a defective component part made by the policyholder, electronic equipment manufactured in Malaysia causes damage to a third party’s property located in Malaysia. The third party files a lawsuit against the policyholder in Malaysia. The policyholder's U.S. commercial general liability policy does not cover lawsuits brought outside the U.S., Puerto Rico and Canada.
Global Companion Plus+ coverage response
Travelers Global Companion Plus+ Commercial General Liability insurance covers defense costs and provides indemnification for products liability claims and suits for covered bodily injury or property damage that are made or brought against the policyholder in Malaysia and anywhere else outside the United States, Puerto Rico and Canada.
Transportation expense
Claim scenario
An employee of the policyholder, a U.S.-based telecommunications company, suffers a heart attack in his hotel room while on a business trip to Hong Kong. Medical professionals determine that the employee needs to be transported back to the U.S. for further medical care. The employee's special transportation arrangements include an ambulance to the airport, business-class airline seats and a medical companion to administer medication during the flight.
Global Companion Plus+ coverage response
Travelers’ Global Companion Plus+ Foreign Voluntary Workers Compensation And Employers Liability insurance provides reimbursement of expenses, over and above normal transportation costs, for the relocation of employees who become injured or sick while overseas.
Foreign voluntary workers compensation
Claim scenario
The policyholder, a software manufacturer, hires an employee residing in Colorado to work in Ireland for one year. Eight months after leaving Colorado, while in Ireland, the employee is seriously injured in a car crash. The employee might not be eligible for benefits under any state's workers compensation law. For example, Colorado might not have jurisdiction because the injury occurred outside of Colorado more than six months after the employee left the state.
Global Companion Plus+ coverage response
Travelers Global Companion Plus+ Foreign Voluntary Workers Compensation And Employers Liability coverage provides the employee with the benefits that the policyholder would have been required to pay if the employee's injuries had been compensable under Colorado workers compensation law.
Employers liability
Claim scenario
The policyholder, a telecommunications equipment manufacturer, conducts operations in Israel. An Israeli employee files suit against the policyholder, alleging that he developed cancer as a result of undetected exposure to electromagnetic radiation emanating from machinery at work. Israeli workers compensation coverage provides only limited benefits coverage and allows the employee to sue the employer in an Israeli court for pain and suffering and other damages. The policyholder's U.S. Employers Liability policy does not cover lawsuits brought outside the U.S.
Global Companion Plus+ coverage response
Travelers Global Companion Plus+ Foreign Voluntary Workers Compensation And Employers Liability coverage provides defense and indemnity for covered bodily injury sought in the Israeli worker's lawsuit against the U.S.-based policyholder.
Commercial auto liability
Claim scenario
In China, the policyholder's employee has an auto accident while driving the policyholder's insured company vehicle under the influence of alcohol, resulting in a fatal injury to the driver of the other auto. The policyholder is sued in China. The local Chinese auto insurer refuses to cover the accident based upon application of an alcohol exclusion in the local Chinese policy.
Global Companion Plus+ coverage response
Travelers Global Companion Plus+ Business Auto coverage responds to the Chinese lawsuit providing primary coverage to the policyholder when the local Chinese coverage is denied.
Commercial property - physical damage
Claim scenario
Office equipment is damaged at the policyholder's office in France when smoke filters through the ceiling of another tenant's office where a fire took place.
Global Companion Plus+ coverage response
Travelers Global Companion Plus+ Deluxe Property coverage form covers direct physical loss or damage to property at covered locations around the world.
More technology claim scenarios
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