News & Media

Thursday, April 19, 2012

Schedule an Expat Insurance Presentation for Your Group

Most people think of living abroad as an exciting adventure. It's a way to discover new lands, try new cultures, eat new foods and make new friends. Planning for an extended mission trip or long-term employment relocation to another country requires planning ahead. Learning everything you can about the country or countries where you will be living is very important to your safety and health. While it's more pleasant to think that nothing will happen while you're abroad, exercising caution is just common sense. When you're traveling through employment or with a non-profit organization, they may provide international insurance for you. If not, you may need to secure it for yourself. If you've never been far away from home for an extended period of time before, you've probably never thought about expatriate insurance and what types of coverage you'll need.

Clements Worldwide handles expat insurance for local and government agencies and companies sending personnel all over the world. We offer presentations for groups to help them determine what type of expat insurance they need, since every country has its unique features and challenges. Clements has representative that can put together a custom presentation for your group to help you learn what about some of the unique experiences, risks and challenges you may face in specific countries.

If your company or organization is planning to do some work overseas, schedule a presentation with Clements Worldwide. If you want to know more about the different types of international insurance we offer, see our Expat Insurance Guide.

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Tuesday, April 10, 2012

Understanding International Cargo Insurance and Risks in Transit


When a company relies on its manufacturing components and finished products to arrive safely in transit, it's important to have international transport insurance. There are several risks involved in worldwide cargo transport. Depending on the points of origin and destination, reaching a shipping and transport destination safely with all of its contents intact can be a challenge. There are a number of financial burdens that can be eliminated or minimized through a reliable international cargo insurance plan should anything happen during transport. Many risks and hazards increase dramatically in certain locations.

There is a variety of risk involved in international transit, depending on how the products or components are sent. Oftentimes they go over land, through the sea and in the air.

Land
Trucks and other vehicles must cross many miles laden with hazards. Treacherous roadways are common in some countries abroad, including high altitudes, unpaved streets, absence of guardrails, and an abundance of animals, cars and people in the vehicle's path. In some international hot spots, vehicles are used as targets in acts of war and terrorism, regardless of the company's political affiliations or allegiances. When crossing through hostile areas prone to war and terrorism, such as Iraq and Afghanistan, or volatile weather zones prone to extreme heat, floods, dust storms and other hazards, cargo transport faces an increased risk.

Sea
Sea travel also risky, pitting ships and barges against strong storms at sea, vessel collisions, pirates and acts of war. Goods in transport can sometimes become lost or damaged. International cargo insurance is one way to provide financial protection against these losses.

Air
Air travel offers a more expensive alternative to land and sea. While transport time is often much shorter, it must still contend with the hazards of the air. These often include terrorism threats and acts of war, extreme weather patterns, unsecured airports and poorly maintained landing strips. What may meet the pilot and cargo at their destination is often unknown, making the risks higher.

Clements Worldwide offers international insurance plans cover all of these scenarios. For more information about specialized insurance packages, contact our office at +1.202.872.0060

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