Importing & Exporting Insurance

Helping Businesses Trade Globally

International commercial insurance solutions
US Primary & Excess General liability insurance
Goods in Transit and Cargo insurance
Stock Throughput and warehouse coverage
Property insurance for overseas inventory
Support for multinational insurance programs

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U.S. Exporting Insurance

What International Businesses Need to Know:

Exporting into the US or setting up a US subsidiary changes your insurance picture more than most businesses expect. Here's what to have sorted before the first shipment leaves the dock.

US Litigation Environment — No "loser pays" rule, large jury awards, and strict product liability mean one dispute can escalate fast.
Worldwide Coverage Often Excludes the US — Many international policies exclude US exposure or carry reduced sub-limits. Check before your first shipment.
Core Coverages to Evaluate — General Liability, Product Liability, Workers' Comp, EPLI, D&O, Cyber, Umbrella, Marine Cargo, and Property & Business Interruption.
Entity Structure Matters — A US subsidiary needs its own US-admitted policies; distributors don't remove manufacturer liability.
Contracts & Certificates of Insurance — US vendor contracts often carry insurance requirements businesses aren't expecting.
Marketplace & Vendor Rules — Platforms like Amazon/Walmart require specific limits and endorsements (e.g. $1M/$2M CGL).
Practical Steps — Bring in a US-licensed advisor before your first shipment, contract, or hire.

'Entering the US Market' - Insurance guide for International Businesses

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Products Liability

Covers claims arising from injury or property damage caused by a defective product you've manufactured, sold, or distributed — even if you're not the actual manufacturer, US law can still hold you liable if you sell under your own brand.

Marine Cargo

Covers physical loss or damage to goods while in transit — by sea, air, road, or rail — from the point of origin to final destination, protecting the shipment itself rather than any liability arising from it.

Product Recall

Covers the costs of withdrawing a defective or unsafe product from the market, including notification, shipping, storage, and disposal expenses — a separate policy from Products Liability, since standard liability coverage typically excludes recall costs.

Other Insurance

Other lines of insurance remain more relevant when a registered business begins operating in the U.S. i.e., Workers' Compensation, Employment Practices Liability (EPLI), Directors & Officers, Cyber Protection, Umbrella/Excess Liability, Marine Cargo, and Property & Business Interruption.