Global Insurance Education Videos

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Travelers Logo
TEXT: A World of Knowledge.

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Shapes flow along paths across a chalkboard, around the text: Placing Global Coverage in Specific Countries. A dashed and a solid line encircle the globe.
TEXT: Placing Global Coverage in Specific Countries

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Map markers spring up all around the world.

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KRISTIN CROSEN: When it comes to insurance, geography changes everything.

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A woman speaks from a rectangle on the chalkboard.
TEXT: Kristin Crosen, Manager, Global Insurance Network Coordinator.
Documentation plus Timing plus Local regulations plus More equals Strong global insurance program. The red umbrella logo appears below the text.

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Each country has its own rules for documentation, timing, local regulations and more.
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TEXT: Documentation plus Timing plus Local regulations plus More equals Strong global insurance program. The red umbrella logo appears below the text.

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A strong global insurance program starts with understanding these differences. Here are seven key things to know when insuring clients with international footprints.

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TEXT: Seven things to know. The numbers 1 through 7 pop up on the chalkboard. 1, Required regulatory documents.

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Let's start with regulatory documents. Before a policy is issued, certain countries require specific forms, like Know Your Customer forms, approved draft policies or previous loss history.

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Chalk illustrations of China, India, Japan, Mexico and Poland appear on the board.
TEXT: Documents vary by country.

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TEXT: Stay compliant, avoid delays.

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Anticipating these requirements avoids delays in policy issuance and helps keep your clients compliant and protects against fraud.

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Illustrations of China, India and South Korea pop up in a line.
TEXT: 2, Cash before cover. Premium timing affects coverage.

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Second on the list: cash before cover. In some markets, coverage only begins after the premium is fully paid.

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An icon displays four different currency symbols. Another icon depicts a calendar. A shield icon appears between them.
TEXT: Plan payment, protect clients.

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If payment is delayed, so is the policy start date. Planning around cash before cover helps you coordinate payments so clients get coverage on time.

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TEXT: 3, Premium collection rules.

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Premium collection is next.

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Illustrations of Japan and Korea sit below the text.
TEXT: Local collection required.

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These rules vary, and in some countries, premiums are required to be collected locally and may have strict premium collection timelines.

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An icon depicts dollars landing in an open hand.
TEXT: Some markets allow home collection.

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Other countries are more flexible and allow for home country premium collection.

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Icons of scales, a document with a checkmark and a pencil and paper pop up under the text.
TEXT: Compliance speeds placement.

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By following the rules, you help maintain compliance and issue policies faster.

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Illustrations of Brazil and Japan appear.
TEXT: 4, Local broker requirements. Brokers add value.

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Fourth, local brokers, required in some markets and optional in others. Knowing this avoids placement delays.

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Icons depict a person in a headset, a document with a checkmark and an open laptop.
TEXT: Smoother communication and claims.

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And even when optional, local brokers can simplify communication, ensure all documentation requirements are met and support smoother claims handling.

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A shield icon has a checkmark on it.
TEXT: 5, Compulsory coverages and local limits. Know what's required.

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Moving to No. 5, coverages and limits. Many countries mandate coverages like auto and employers liability with set minimum limits. Awareness of these requirements helps ensure compliant, continuous coverage for clients.

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Illustrations of India, Malaysia and South Korea pop up.
TEXT: 6, Tariff-rated coverages. Rates set by market.

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Tariff-rated coverages is another factor. Some markets have government-set rates that affect pricing and quoting timelines.

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The four-currency symbol icon appears, next to a clock.
TEXT: Clearer costs, better timing.

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When you understand these rates, you give clients a clear picture of cost and timing.

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The UK appears beneath the text
TEXT: 7, Terrorism coverage. UK: optional through national pools.

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Lastly, terrorism coverage. Requirements differ widely by country. Some markets exclude it by default, while others, like the UK, offer optionally through national pools.

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A chalk illustration depicts France.
TEXT: France: built in via GAREAT.

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In France, it's built into policies and handled through GAREAT. Being mindful of these variations ensures terrorism coverage is properly addressed for clients. Global coverage can be complex, but you don't have to navigate it alone. Our specialized network coordinators help connect the dots across countries, coverages and local partners to keep your global programs running smoothly.

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A globe with continents drawn in chalk spins on a desk, next to a red mug and two pieces of white chalk. The globe says: Global Accounts, under the Travelers umbrella logo.

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With Travelers, you gain a partner with experience in more than 150 countries, bringing clarity, confidence and compliance for your clients worldwide.

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Travelers logo
TEXT: Learn more about the ins and outs of global insurance. Watch more videos in this series.
Travelers.com/foragents/global

The Travelers Indemnity Company and its property casualty affiliates. One Tower Square, Hartford, CT 06183 This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy or bond issued by Travelers. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Availability of coverage referenced in this material can depend on underwriting qualifications and state regulations. Copyright 2026 The Travelers Indemnity Company. Travelers and the Travelers Umbrella are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.

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Travelers Logo
TEXT: A World of Knowledge.

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Animated chalk lines move across a chalkboard.
TEXT: The Power of Same-Carrier Global Coverage.

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An animated globe spins.
TEXT: Theron Johnson, Account Executive, Global Accounts.

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THERON JOHNSON: When clients operate in the U.S. and abroad, their insurance structure is critical.

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Pencil and paper icons appear on the globe, then combine into one.

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Domestic and international policies can intersect, creating friction around cost, timing, coverage, claims and agent-customer relationships.

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Icons of currency symbols, a clock, a checkmark shield, a pencil and paper, and shaking hands appear.

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A single-carrier approach may eliminate these challenges and simplify global programs in four key ways.

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TEXT: Single-carrier approach, 1, cost and time savings.

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Let's start with cost and time savings. Clients with separate programs often pay more and miss out on multi-line discounts. An integrated program provides access to these discounts, eliminates duplicated costs and saves time by streamlining renewals and billing.

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TEXT: Discounts may vary by state and individual risk characteristics. Discounts are subject to eligibility, availability, do not apply to all coverages, and are not guaranteed.

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And then there's cross-border communication.

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A line moves across continents.
TEXT: 2, Single-carrier approach, one point of contact.

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With multiple carriers, contacts are scattered across offices and time zones, creating confusion over responsibilities.

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A question mark pops up.

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The solution? One carrier and one point of contact, reducing handoffs, speeding up responses and ensuring seamless communication.

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TEXT: 3, Single-carrier approach may reduce coverage gaps.

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No. 3, close gaps and fast-track claims. When there's split coverage across countries, claims can expose gaps, causing delays and increased exposure.

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Icons of a person in an arm cast and a helicopter appear.

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Consider a medical emergency abroad requiring workers compensation or repatriation. With different carriers, you're left navigating different coverage terms, claim numbers and more.

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TEXT: Streamlined claims and payouts.

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A single-carrier approach coordinates claims efficiently and accelerates payouts.

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Two hands shake.
TEXT: 4, single-carrier approach increases client retention.

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And finally, client loyalty.

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TEXT: Disadvantages of multi-carrier programs.

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Programs with multiple carriers can lead to coverage gaps, slower responses on claims and administrative burden, leaving clients with a scattered experience.

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TEXT: Choose an integrated program.

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An integrated program gives you full visibility across all their policies, allowing for better guidance and faster issue resolution that builds trust, keeping them engaged and more likely to stay with you long term.

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TEXT: One carrier. One Travelers. Travelers red umbrella logo.

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Structuring domestic and international coverage together takes experience and global insight.

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A globe spins. The text Global Accounts appears on it.

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Travelers' global accounts team supports integrated programs, delivering clarity and consistency wherever you do business.

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Travelers logo
TEXT: Learn more about the ins and outs of global insurance. Watch more videos in this series.
Travelers.com/foragents/global

The Travelers Indemnity Company and its property casualty affiliates. One Tower Square, Hartford, Connecticut 06183. This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy or bond issued by Travelers. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Availability of coverage referenced in this material can depend on underwriting qualifications and state regulations. Copyright 2026 The Travelers Indemnity Company. Travelers and the Travelers Umbrella are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.