employers responsibility coverage

Employer responsibility coverage is needed if the insured employs workers outside the United States or maintains a physical location in another country. It is also referred to as a foreign voluntary workers compensation (FVWC) policy.

This coverage typically covers three categories of workers.

• US hires or "expats": These are citizens or legal residents of the United States who have been hired to work outside of the United States.
• Third country nationals (TCNs): These are workers hired in a country outside the United States who are assigned to work in a country other than their country of origin. An example is a French citizen who is assigned to work in the United Kingdom.
• Local nationals: These are workers hired in a country outside the United States to work in that country. For example, a French citizen assigned to work in France is a local national.