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Foreign Voluntary Workers Compensation Coverage

Foreign Voluntary Workers Compensation (FVWC) Coverage

Definition

Needed if the insured employs workers outside the United States or maintains a physical location in another country. FVWC coverage is sometimes referred to as employers responsibility coverage. It typically covers three categories of workers.

  • U.S. 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.

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