expertise, oversee operations, or assist in logistics, distribu-
tion, and so on. While overseas, these personnel are exposed
to the same risks as when doing business in the United
States, with the exception that the risks may be more com-
plex. Benefits, disability issues, Workers’ Compensation,
auto liability, and general liability are a few of the risks to ac-
company personnel overseas.
In certain countries, there may be a host of other expo-
sures based on local customs, culture, and legal differences.
Additionally, personnel who travel overseas are subject to
kidnap and ransom exposures. Kidnappings of business per-
sonnel have occurred in Central and South America, the
Middle East, and Europe, among other countries. Many times
company personnel ...