International Insurance Broker through McKinley International

This blog is sponsored and created by McKinley International Risk Management, an international insurance broker that works with employers who have international employees in the following situations:

1. U.S. expatriates working abroad
2. Non-U.S. expatriates also called Third Country Nationals
3. Local national hires / foreign national employees
4. International global business travelers
5. Inpats, foreign nationals residing in the U.S.

The following areas of expertise are offered to clients:

1. Expatriate medical insurance (expat health insurance)
2. Expatriate ancillary benefits such as life, LTD, STD, Dental, and Vision Insurance
3. Foreign workers compensation and Defense Base Act Coverage
4. International medical evacuation and assistance
5. International security such as kidnap and ransom insurance
6. International property and liability

International Insurance Broker Consumer Guide

What to look for when choosing an international insurance broker or an international brokerage. First, remember why international brokers are necessary, because 99% of U.S. insurance brokers and consultants do not understand international benefits.

True, there may be some U.S. brokers that understand expatriate medical plans, but that is just one small part of being a total and full service international insurance broker for clients that may have 20 different international needs over a 10 year period.

When choosing an international insurance broker you should consider all of the following:

1. Do they understand both international disciplines; global employees benefits and global property and casualty?
2. Can they place insurance for all four classes of international employees; expatriates, third country nationals, foreign nationals, and global travelers? Placing admitted coverage for foreign nationals takes a particular expertise and may require local licenses.
3. What is their experience in international benefits. Any international insurance brokerage that has not been doing this job, or not been in the business for over 5 years will not be very experienced.
4. Ask about their licensing. Are they an international insurance broker licensed in multiple U.S. states and can they place admitted insurance for local nationals abroad?
5. Beyond international insurance, what is their experience on international service programs such as international EAP, international medical air evacuation, and security?

Working with the right international insurance broker can be the difference between everything flowing smoothly and a $100,000 uncovered claim showing up on your desk one day.