• Expatriate Group Insurance (General)
• Expatriate Health Insurance
• International Risk Management Best Practices
• International Insurance Broker or International Insurance Consulting
  


The proper expatriate handbook can save hundreds of potential headaches and remove millions of dollars of employer liability.





You can write all the expatriate policy in the world, but unless you have a good way of communicating it to expats, and in real time, it's not much good. Click the screen shot above.

McKinley International Risk Management is one of the few international insurance brokers in the world that can address both international employee benefits and global property & casualty lines.

International Employee Benefits and International Risk Management Strategy, what global employers need to know "the complete list".

Just about 10 years ago, after the implementation of an international medical insurance plan, benefit managers thought they were about done! This is no longer the case. International risk management goes well beyond an international medical insurance plan or what may have been defined as the traditional territory of the Risk Manager on the P&C side. Here are the topics that most global employers need to address to have a comprehensive international risk management strategy. The benefits manager needs to focus on the international employee benefits and coordinate with the risk manager to avoid overlap.

International Employee Benefits

1. International medical insurance for U.S. expatriates (the U.S. plan does not work abroad)
2. International travel medical plan for those traveling outside their home country.
3. International dental insurance plan for expatriates
4. Global medical insurance for Third Country National Employees
5. Compliant and admitted health insurance for local nationals
6. Multinational Pooling for local national benefits / experience rated
7. International Life and Long Term Disability Insurance for expatriates
8. Global AD&D and BTA
9. Offshore pension for certain expatriates
10. Medical evacuation and repatriation for those residing in certain host countries
11. PTD or TTD programs for certain TCNs
12. War and Terrorism riders to remove certain exclusions that limit coverage

International Property and Casualty Insurance

1. International workers compensation insurance
2. International blanket liability and products liability
3. Global property insurance
4. Kidnap and Ransom insurance
5. Expatriate personal property insurance
6. Expatriate personal liability insurance
7. Expatriate vacant homeowners insurance
8. Overseas renters insurance for expatriates
9. Defense base act workers compensation insurance
10. Other global inland marine lines
11. Goods in storage insurance for expatriates

Global Service Programs for Expatriates

1. International Employee Assistance Program (International EAP)
2. Cross cultural training
3. Foreign payroll
4. Emergency security planning
5. Site assessment security
6. Global banking for overseas employees
7. Global moving insurance and household goods
8. Repatriation services
9. Property management for expatriates
10. Assistance with international schools
11. Tax equalization
12. Visa and immigration services
13. Remote site medical clinics

Documenting International Employee Benefits and Global P&C plans... to remove employer's liability

1. Expatriate policy and procedure documentation
2. Expatriate employee handbooks and expatriate manuals
3. Posting information on-line in real time vs. "paper handbooks"
4. Pre-departure expatriate offer letter