Worldwide Ocean Cargo Insurance Services

The Worldwide Ocean Cargo Insurance Services, is an Internet site created to address the insurance needs of import/export companies and commercial shippers who require Ocean Cargo, Air Cargo, Motor Truck Cargo, and Freight Insurance.
We offer:
comparative and competitive rates
the option to purchase Ocean Cargo insurance directly over the INTERNET
easy monthly payments billed directly by the insurance company
(You can even e-mail your monthly certificates.)
We offer policies on a brokerage basis through a number of companies including Fireman's Fund, AIG, CHUBB, CIGNA, MOAC, Lloyds, Great American and a handful of other highly experienced and capable worldwide import/export cargo insurance and ocean cargo insurance carriers.
To obtain your import or export insurance quote, please complete and submit the Quote Questionnaire. We'll provide you with quotations from leading carriers so you can make an informed decision, usually within 48 hours.
Please feel free to visit:
Quote Information Sheet
glossary of ocean cargo insurance terms.
USFDA Import Alert information.
Who are the people behind the scenes at WOCIS.

Health Insurance

The most fruitful investment we can make in life is making daily efforts toprotect and develop our health and fitness.Every small change you make every dayleads you to healthy well-being.
Health is wealth. Thanks to advances in medical technology, we are able to treat and combat many more medical conditions than ever before. However, it also means the cost of treatment has risen and finding the right medical institution has become a challenge. But remember, it's never too early to begin planning for the unexpected. We offer a range of health insurance plans providing health protection and financial security to help manage the financial burden of unforeseen medical expenses or loss of earnings.
Accident Benefit
Accidents can be unpredictable and unavoidable. Therefore, it is essential that you are fully prepared for the unexpected.
Hospital Benefit
Faced with increasing medical fees, comprehensive cover will help minimize the possible financial impact from hospitalization.
Critical Illness
A healthy life is something most of us take for granted. Unfortunately, serious illness can strike at any time and usually when we least expect it.
Premium Waiver
In the event you become totally incapacitated or die, it is important the protection of your family remains unaffected. Our premium wavier benefit is the hassle-free solution.
Lady's Benefit
Today, more women are enjoying the challenge of managing both a successful career and a happy family life. To secure what you have today and prepare for a better future, good planning is important. Our Lady's Benefit plan is designed to meet your specific needs during the different stages of your life.
Disability Income
A stable and reliable income is essential to budget for everyday expenses, maintain your current lifestyle and achieve future financial goals. Interruption to this income due to accident and illness could make it difficult to afford even the basic family needs. We offer the solution to protecting your income and financial future while avoiding financial hardship.

Life Insurance

Life insurance can play an important role in your financial planning. We offer a wide range of life insurance plans to help provide the protection you need, while helping to manage your personal finances. Our expertise means you can concentrate on the important things in life.
LifePlus
A whole life participating plan tailored to your savings and protection needs.
Platinum Low Cost
A whole life participating plan offering high protection for relatively low premium payments.
Save & Cash 20
A 20-year limited pay plan combining cash savings with a guaranteed cash endowment and lifelong protection.
Value Protector Plus Supreme
A whole life plan offering relatively high protection and guaranteed cash values.
Partner One Plan
A participating plan offering whole life protection with an additional Partner Bonus from just one single premium payment.
Partner Retirement Plan
A secure choice for asset accumulation, with relatively high guaranteed values, guaranteed retirement bonus, special dividend and whole life protection.
Value Savings
A savings plan offering life protection for a specified saving period and rewarding return at maturity.
Prestige Savings
A regular savings plan combining cash accumulation with life protection.
Flexi Savings
A whole life protection plan offering different premium payment period options and strong saving elements.
Goalset Savings
A savings plan providing whole life protection and comparatively high guaranteed returns on savings, with guaranteed cash endowment.
Comfort Senior Savings
A 10-year limited pay senior plan offering savings with lifelong protection.
Multi-Select Term
A renewable and convertible form of term insurance plan, providing life protection with multiple policy terms at affordable premiums.
Option to Purchase Paid-Up Additions
A supplementary benefit providing extra protection on top of the basic insurance policy.
Lifetime Protector
A whole life insurance plan offering lifelong protection from affordable premiums.

Utilities Insurance

What Is The Grundy N.A.W.C. Insurance Program For Utilities?
Insurance for Water Companies
Insurance for Water Districts
Insurance for Waste Water Systems
This program is available through your current insurance agent or on a direct basis.
More than fifteen years ago the National Association of Water Companies, N.A.W.C, asked Grundy Worldwide to develop an insurance program which would benefit its membership and protect purveyors of drinking water nationwide. Grundy Worldwide is credited for having created an insurance program for the typically neglected small water company owners of America. Time and experience have broadened that program to now offer a full range of superior coverage to water and wastewater companies of all sizes, smallest to largest, in all fifty states! When you choose Grundy Worldwide, you also inherit a legacy of:

Outstanding Service
A- (Excellent) Rated Underwriting Companies
Rapid Response
Experienced Claims Settlement
Expert Insurance Service in Your Industry

Unmatched Flexibility
Accommodating Underwriting Guidelines
Coverage Tailored to Your Needs

Worldwide Insurance Network Group

Global reach, personal service

The WING group of independent partner brokers offers a powerful alternative to the mega brokers’ impersonal, corporate approach to global insurance services.Our well-established international partnership covers more than 50 countries, with each WING broker dedicated to delivering co-ordinated, integrated insurance, risk management and employee benefits consultancy services through expert specialist teams. Every WING member shares the same total commitment to maintaining the very highest service standards and scrupulous integrity. We believe that these fundamentals lie at the heart of every successful business relationship - however large or small the client. Opening doors to open minds
The membership of WING has been carefully selected from independent brokers who built their excellent reputations through total commitment to quality and by providing clients with a professional, personal and dedicated service.Why WING? Because we are totally client focussed. Choose your region and make contact now with your local WING partner. It’s your fast route to securing high quality commercial insurance services both near to home and further afield - whichever direction your business is heading.

Insurance
Property
Business Interruption
Public/Product Liability
Employers’ Liability
Workers’ Compensation
Professional Indemnity
Auto
Construction
Engineering
Marine
Aviation
Personal Accident
Political Risks

Health Insurance Made for Global Citizens

International health insurance plans are designed for people who are working or residing abroad. These global citizens include expatriates and local nationals who want the freedom to seek care beyond their borders. International health insurance plans have also been growing in popularity, as more people understand the shortfalls in their current domestic health insurance.
Problems with domestic health insurance coverage overseas:
Limited coverage outside of U.S.
Residency requirements – Most plans require that you physically reside in the state in which the policy was issued 6 months each year, or the policy is void.
Reductions in benefits – Coverage is reduced to “emergency only” care.
No resources such as assistance with claims, emergencies or foreign healthcare systems.
Limited coverage amounts – Benefits can be reduced substantially.
No network of providers or endorsement of doctors.
International health insurance plans eliminate the problems with domestic health insurance by providing the following benefits:
Global coverage area – Live and work anywhere in the world.
No residency requirements – Stay at home or abroad as long as you like.
Full range of benefits anywhere in the world.
Web-based resources such as global provider directories, health and safety reports, and medical translation guides.
Up to $5,000,000 of lifetime coverage.
No restrictions on doctors or healthcare facilities – and no referrals needed!

International Cargo Insurance

Our international cargo insurance makes sure your valuable cargo and other property is protected while transported through high risk areas (including Iraq and Afghanistan).
War risk international cargo insurance is designed to insure your cargo and other property during transport and includes protection against acts of war. Our international cargo insurance policies insure the following forms of transport:
Ocean vessel
Aircraft
Truck
Barge
Rail
A comprehensive cargo insurance policy makes sure your cargo, and those of your clients, are as secure as they can be, so any cargo problems don't damage your business.

International Group Life Insurance

Protect your team - and your business - with international group life insurance
International group life insurance is designed to provide for your expatriate and local employees' dependents in the event of their death, with the international insurance cover providing a lump sum and/or income to any dependents on death. More importantly it provides the employee with peace of mind that, should the worst happen, their close family will not be left to struggle with financial difficulties.
The benefit of international group life insurance
The benefit of international group life insurance is one we all hope will never be needed, but having it in place demonstrates care for the welfare of your expat and local employees and their families.
No matter what size or type your organisation is, you can have a flexibly designed employee benefit program. You can access advice both online and offline to ensure you get precisely what you want. Other expatriate benefits available include our international disability insurance. Let us know if you've any questions about any of our international insurance services.
You'll be tapping into Bellwood Prestbury International experience to ensure that the design and implementation of a complete range of international and local employee benefits for your overseas expatriate workforce, including any international group life insurance provision, is on target.
In less developed countries more and more expat employers are looking beyond local insurance companies, as the market is often in its infancy with insufficient capacity to underwrite the amounts involved. You can choose to use us to cover local companies (subject to local regulations) if they require the security and quality offered by an international insurance company.
What are the advantages of our international group life insurance policy?
Good expat and local employment benefits can make the difference between keeping your key staff and losing them to a competitor, but there are many advantages both for you as an employer and for the staff that receive them.
International group life insurance for employers:
You can recruit the best expatriate and local candidates - and keep them.
You will provide security and transfer the risk without putting an unacceptable strain on company resources.
You can usually claim the costs as a business expense.
An international group life insurance policy can be put in place quickly with the minimum of paperwork and with little time or cost involved in administration.
International group life insurance for the employee:
The biggest benefit for most employees is peace of mind. To know that their financial security and that of their dependants has been provided for is priceless.
Should they have to claim, any lump sum payable is normally free from tax.
What cover does international group life insurance provide?
You are free to select the level of international insurance benefit for your employees, such as a fixed sum or a multiple of salary.
Your final decision may be driven by cost, but other factors will inevitably have an influence:
your employees expectations,
the employment philosophy of your organisation,
your company's desire to provide a realistic benefit,
the group life insurance cover provided by your competitors.

Personal Accident Insurance

Personal accident insurance to cover death, disablementand disability
If your personnel are visiting war torn countries the facility to secure high risk personal accident insurance is top priority. You can be confident that personal accident insurance cover can be provided for any region/country in the world by using our international connections and extensive personal accident insurance knowledge. How personal accident insurance works
Our personal accident insurance cover is extremely comprehensive as acts of war and terrorism are included, and is widely available for international corporations, private contractors, USAID and humanitarian organisations. Because personal accident insurance does not cover natural deaths, it can be set up extremely quickly. Your employees won't need to respond to any health questionnaires or undergo a medical examination. This valuable insurance protects your staff member and their family should an accident happen while the insured is working or visiting a high risk region. You can choose to have your personal accident insurance policy written on a group or individual basis and you can include flexible coverage periods from a day to a year. There are group discounts where several people are involved.
Personal accident insurance cover options include:
Accidental death only - death of the insured resulting from an accident.
Accidental death and dismemberment - accidental injury to the insured resulting in death, loss of sight or loss of limb(s). Permanent total disablement from an accident - disablement which prevents the insured from obtaining any gainful employment after 12 months.
Temporary disablement from an accident - accidental injury to the insured which temporarily prevents the insured from working. Medical expenses/hospitalisation resulting from an accident - accidents happen, and the last thing that you and the families of your staff need is to worry about the costs of medical care in a foreign location. This policy provides for necessary hospitalisation and recovery expenses incurred by the insured person as a result of an accident.
Evacuation and repatriation - if a member of your staff needs to be moved to a medical facility in another country (or brought home) the policy covers reasonable traveling expenses incurred by the insured.

Special war risk insurance

Working in high risk regions, such as Iraq and Afghanistan, means having the right war risk insurance has never been more important!
Working in war zones and post conflict areas of the World there's always a higher risk to your life. It may be something that everyone would prefer not to think about, but as a pragmatic international employer you will want to be sure if that risk becomes an actuality, your international and expatriate employees and their families are covered by a special war risk insurance policy. Our high risk war zone insurance services
With a vast experience in this area, you can rely on our expatriate knowledge and international expertise to advise you on the best international special risk insurance cover for your particular situation. Bellwood Prestbury International Insurance Services have been heavily involved in providing 'niche' & high risk international insurance solutions for those expats involved in the rebuilding of Iraq and Afghanistan, among other places. This has added to our expertise in providing international expatriate special risk insurance.
Personal Accident Insurance
Defense Base Act (DBA) Insurance
Specialist Cargo Insurance
Kidnap & Ransom Insurance
We've provided war and post conflict insurance to hundreds, if not thousands of people working in disaster, conflict, war zone and post conflict areas like: Afghanistan, Chechnya, Congo, Iraq, Israel, Haiti, Ivory Coast, Lebanon, Nepal, Somalia and Sri Lanka, to name just a few.

Personal Insurance

International Expatriate Insurance

Is your international expat lifestyle secure while you're living and working abroad? Do you have the right global international expatriate insurance?
If you're living or working abroad as an expat outside your home country, even if it's only for part of the year, you need to protect yourself and your family with international expatriate insurance . An experienced international expat insurance adviser will give you an international expatriate insurance plan that gives the security you need while you're working abroad, and can cover you worldwide.
As an expatriate of any nationality, living or working abroad in another country always involves a wide ranging series of challenges. That can be anything from inadequate local medical care to an unstable political climate.
Our global international expatriate insurance services for worldwide cover
With more than thirty years experience in the global international expatriate insurance, we specialise in advising expatriate people working abroad just like you who find themselves in expat situations. As more and more people choose to live and work abroad as an expatriate away from their home country, our experience in knowing the expat's international insurance needs abroad has grown to the point that we count ourselves among the top international expatriate insurance brokers in the World.We have a range of expat plans that offer worldwide cover while you're living and working abroad:
International Expat Life Insurance
International Expat Whole of Life Insurance
International Expat Medical Insurance
International Expatriate Mortgage Protection Insurance
International Expat Income Protection Insurance
Kidnap and Ransom insurance
International Pension Plans
International Savings Plans
Expatriate Mortgages

Corporate Insurance

Exceptional corporate insurance benefits for your staff - outstanding corporate results for your business
Knowing that the future of your business depends on the professionalism, calibre and commitment of its workforce, you will want to fully protect your local and international staff with high quality corporate insurance provision. To deliver a first-class service to your customers you need to attract and retain the most qualified and experienced people, either in their home country or as an expatriate.
Get the right staff with the right corporate insurance
There is strong competition for well qualified and high performing staff - even if you find the right people there is always the risk of them being 'poached' by your competitors. This means it's critical the benefits you offer are comprehensive. Your concern for the welfare of the employee, and that of their families can deliver these benefits by combining comprehensive corporate retirement funding with personal and family protection, in the form of an extensive employee benefits package within your company.
When an employee is working as an expatriate in a foreign country, or when you're employing a local national, it's really important they feel secure. You can ask us to design, implement and monitor your international corporate insurance package.
As the corporate business world becomes increasingly global, you need exceptional corporate solutions to complex and fast moving business demands to succeed.
Our corporate insurance range
We have comprehensive employee benefits solutions to all your corporate insurance needs. Whether you're a multinational company employing international staff and need expat plans or plans for local nationals, we can help you:
International Group Medical Insurance
International Group Life Insurance
Disability Insurance
Retirement Benefits
Business Protection Insurance
Key Person Insurance
Shareholder Protection Insurance
International Business Insurance
Special Risk Insurance
Personal Accident Insurance
Defense Base Act (DBA) Insurance
Specialist Cargo Insurance
Kidnap and Ransom Insurance
Recruitment Insurance

International Life Insurance

International life insurance services for the overseas expat. International employee benefits for multinational companies and expatriate employers.

International life insurance, expatriate life insurance, expat disability insurance and international medical insurance for the expat

An international expatriate life insurance policy can be invaluable in a variety of overseas expatriate situations. As an international expat overseas you may feel as fit as a fiddle, but it isn't only your health that can threaten your living, life and your family's future abroad. International expat life insurance is assurance when accidents happen, and if you're an expat living and working overseas in high-risk international locations, there are many other possible instances when our international expatriate life insurance services can give priceless cover.
Our international expat insurance plans
Find out more about Bellwood Prestbury International Insurance Services and our comprehensive international expatriate life, disability and medical insurance cover, including international medical insurance, kidnap and ransom insurance, international pension plans, expatriate life insurance, international life insurance, international whole of life insurance, international mortgage protection insurance, international income protection insurance, international savings plans and expatriate mortgages and our range of international expatriate insurance packages when you're abroad.International life, disability and medical insurance - find out how to protect you and your family overseas with international life insurance and expat life insurance. Even when the unexpected things in life happen.

Corporate international life insurance, expatriate life insurance, disability insurance and international group medical insurance

Staff are your greatest asset - attracting the right people and keeping them is an ongoing challenge for most organisations, whether you're a multinational corporate employer with staff working overseas in many countries or in just one country. Some employers find people are knocking on their doors to join - why? The answer is simple - they look after their expat and local staff well with a comprehensive corporate international employee benefits package that gives cover beyond the average, proving they genuinely care for their international people living and working overseas. Our international group employee benefits plans
An international group employee benefits package will protect your company and its most important assets, and ensure your employees appreciate the value you place on their wellbeing. It can cover international group medical insurance, expatriate life insurance, international group life insurance, international pension plans, international corporate business protection insurance, war risk and war zone insurance and international recruitment insurance. Find out more about our international employee benefits packages.For example, a corporate insurance benefits package can cover: international life insurance, expat life insurance, international income protection insurance, international critical illness insurance, international medical insurance and international pension plans.

Insurance Programs For Individuals and Families

HTH offers programs ranging from annual plans for global living to short-term travel medical insurance to trip cancellation coverage. HTH offers flexible plan designs so that individuals and families get the coverage they need with the freedom to choose qualified doctors, hospitals and health services anywhere in the world. HTH insurance programs fully comply with state insurance regulations and afford purchasers full consumer protections.
For details and to purchase, visit
http://www.HTHTravelInsurance.com
Product Brochures
Global Citizen
HTH's premier international health insurance plan, tailored for long-term global living with worldwide, annually renewable major medical coverage in and out of the U.S.
Download Brochure
TravelGap Multi-trip
The optimal annual plan for frequent short-term leisure or business travel with affordable worldwide coverage of routine medical conditions and emergency medical evacuation.
Download Brochure
TravelGap Single Trip
Flexible, high-value benefits and services for leisure or business trips from one week to six months.
Download Brochure
Trip Protector
All-inclusive international travel insurance that protects against trip cancellation and interruption and includes emergency medical evacuation.
Download Brochure

Insurance Program For Employers

Looking for a group plan for employees traveling internationally on business?
HTH Worldwide offers group international health insurance plans for both short-term travel as well as long-term assignments. HTH is a recognized leader in international health insurance and concierge-level medical assistance services, serving hundreds of thousands of world travelers annually.
HTH designs plans that meet employers' specialized needs, building provider networks worldwide to reduce costs and encourage easy access, and working with the medical providers to promote quality care.
With a worldwide community of thousands of western-trained physicians and 24-hour assistance, HTH helps employees and their families navigate the local health system, whether they are in the U.S. or abroad.
For details, visit
http://www.HTHbusiness.com/products.cfm
Product Brochures
Global HealthGuard
A group major medical program offering primary coverage for international assignees and their families when they leave their home countries for six months or more
Download Brochure
HTH Business Traveler
A group supplemental health insurance program featuring services to empower the traveler to stay safe and healthy and to make life easier for benefit managers
Download Brochure

Expatriate Medical Insurance

Do you need expatriate medical insurance? Choose Goodhealth expat medical and health insurance products and you can be sure of first-class benefits and cover. Wherever you may be in the world, when you need expatriate medical insurance, Goodhealth is always close at hand. We can help if you or a member of your family falls ill while you are abroad, or if you have problems dealing with different healthcare systems, climates, diseases and languages. Our expat medical insurance is specifically tailored to offer real peace of mind about your physical and financial wellbeing.
Click here to find out more about our expat medical insurance products or request an instant insurance quote.
Why is expatriate medical insurance essential?
Whether you plan to live or work abroad for several months or many years, expatriate medical insurance is essential to insure your health, cover yourself against medical expenses and make sure you have options when it comes to medical treatment. Goodhealth expatriate medical insurance gives you access to leading medical facilities throughout the world, providing the right medical cover wherever and whenever you need it.
Whatever your own personal requirements, Goodhealth offers a product to suit you. As one of the world's most respected providers of specialist expat medical insurance, we make it our business to be there when you need us - wherever that may be.
What makes Goodhealth the best choice for expat medical insurance?
Goodhealth is a leading expat insurance provider and we operate solely in the international healthcare market. That makes us specialists in every sense of the word. Our international expertise and local support means we can offer expat medical insurance that gives you access to the best medical facilities as well as a network of regional offices to settle your claims locally, quickly, and efficiently. To see how this works, take a look at some of our recent case studies here by clicking the links below:
Case Study one - Overseas Medical Insurance in Hong Kong
Case Study two - Overseas Medical Insurance in Korea
Case Study three - Overseas Health Insurance in Hong Kong
Case Study four - Overseas Health Insurance in Dubai
With Goodhealth, you get peace of mind on every level. Our expat medical insurance policies are designed to protect your health and your assets, just as they have done for expats around the world for over 25 years. Goodhealth is a company dedicated to medical insurance and to being on hand to help, no matter where in the world you may be.

International Medical Insurance for Expatriates

International medical insurance for expatriates
Goodhealth is a specialist provider of international health insurance for expatriates. We offer a full range of worldwide health insurance plans and whether you are looking for individual, family, group or company cover, we have an international medical insurance plan to suit your requirements. Goodhealth makes sure you have access to the finest medical facilities worldwide, enabling you to obtain the best possible treatment whenever and wherever you need it.
As experienced specialists in international health insurance, we understand that, living abroad, expatriates require comprehensive worldwide medical insurance. Our international travel medical insurance plans ensure you are not faced with large medical bills, and provide a valuable range of additional international healthcare services.
Click here for an instant expatriate worldwide health insurance quote.
International travel health insurance and international assistancefor expatriates
Whichever healthcare plan you select from Goodhealth, you will benefit from access to our network of medical facilities worldwide.
We have regional offices in London, Dubai, Hong Kong, Miami, Shanghai and Jakarta, with staff speaking several languages. They deliver expert advice and provide an enhanced local policy administration and claims support service using their extensive international medical knowledge
Our emergency evacuation benefit ensures that if the required treatment is not available at the place of incident you will be immediately transported to an appropriate facility.
Our online Global Health Data Bank enables you to search for medical and health resources worldwide through access to a comprehensive directory of international medical and hospital facilities. An international health insurance policy from Goodhealth gives the expatriate total peace of mind through comprehensive medical expenses cover and a wide range of additional supporting services. International private medical insurance for expatriatesaround the world.
Contact Goodhealth Worldwide now for a comprehensive range of individual, family, group or company international medical insurance plans. Free quotes may be obtained by clicking the link below or you can call one of our experienced consultants. Wherever you are located overseas, we are able to provide a local service and speedy claims settlement backed by a wealth of global healthcare knowledge.
Click here to find out more about our international healthcare insurance products or request an instant insurance quote.
Goodhealth Worldwide will provide factual information on a product's features and benefits to allow you to decide whether it is suitable for your needs. We will not provide an opinion or recommendation on its suitability for you.

Travel Insurance Company UK

About our insurance services
24/7 travel insurance is a trading name of PJ Hayman & Company Limited.
PJ Hayman & Company Limited
1) The Financial Services Authority (FSA)
The FSA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you
2) Whose products do we offer?
We offer products from a limited number of insurers. Ask us for a list of the insurers we offer insurance from.
3) Which service will we provide you with?
You will not receive advice or a recommendation from us in relation to the products we offer. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
4) What will you have to pay us for our services?
We receive our remuneration in the form of commission and administration fees from the insurance companies.
5) Refund of Premium
If you cancel the policy, we will make a refund in accordance with the policy conditions.
6) Who Regulates us?
P J Hayman & Company Limited is an appointed representative of Crispin Speers & Partners Limited who are authorised and regulated by the Financial Services Authority. Their FSA register number is 311507
Our permitted business is arranging and advising on general insurance contracts.You can check this on the FSA’s register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
7) Ownership
P J Hayman & Company Limited is a wholly owned subsidiary of CSP Holdings Limited.
8) What to do if you have a complaint?
If you wish to register a complaint, please contact us:
In writing to:- The Managing Director, P J Hayman & Company Limited, Stansted House, Rowlands Castle, Hampshire, PO9 6DX
Or by telephoning :- 023 9241 9002.
If you cannot settle your complaint with us you may be entitled to refer it to the Financial Ombudsman Service.
9) Are we covered by the Financial Services Compensation Scheme (FSCS)?
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.
Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.

Welcome to Bupa International - medical and health care insurance company

We are the world's largest provider of international expatriate health insurance, supplying quality individual and group medical cover to people who are in their home country or living and working abroad.
Whether you're looking for a medical health insurance plan for yourself, your family or your employees, we can offer you exceptional levels of protection and support.


Health care for you, your family and your business
We provide free health insurance quotes if you're interested in private health care either for you, your family, a group, or a business. Our international health insurance gives you peace of mind if you're travelling, living, or working abroad, so click here if you're interested in an online quote. Bupa International has a broad range of different health insurance plans, some with flexible options, so we can tailor the cover to suit your exact requirements. Our group health insurance will give you the confidence to know that each group member will have access to top quality medical staff and hospital treatment in the event of an illness or accident.

Health insurance at home or abroad
Individual health insurance isn't just for the well-off. With the advances in medicine and medical technology and the cost of hospital care and nursing, the expense of healthcare treatment has risen greatly. Many people are finding that being insured helps not only with the speed of treatment, but with avoiding spiraling costs whether at home or in a foreign country. This is especially true for people who wish to live or work overseas. Our expatriate medical insurance is specifically designed for this purpose, taking the worry about payments off your mind, allowing you to concentrate purely on getting better.

Contact us for information or a free quote
Health insurance quotes can be obtained from Bupa International for all of our different kinds of cover, including the Essential, Classic, and Gold levels. If you're interested in discussing a quotation by phone with an experienced adviser, just fill in five essential details on our form and we'll call you back. We believe that our quotes are highly competitive and our level of service is second to none. Don't hesitate to join our global healthcare network, and relax knowing that if something were to go wrong with your health, you'll receive excellent care and attention, with instant access to diagnosis and treatment.

Potential court action for people lacking online travel insurance

People who go abroad without first buying worldwide travel insurance could potentially face court action if they're involved in an accident.Travel insurance specialist InsureandGo said that if backpackers or other tourists don't buy some form of travel insurance and have an accident that results in somebody else getting injured badly enough that they can't work, they could find themselves in court getting sued.Perry Wilson, founder of InsureandGo, said that travellers needed to be especially careful when it came to drinking, as Britons had a habit of having their first holiday drink at the airport.Mr Wilson said: "The big thing is personal accident. It's not just you. If you run into somebody else [on a ski slope] and break their leg, in this modern day of litigation, if they can't go to work, you will be taken to court."He added that too many Britons risked great expense by going on ski holidays without travel insurance. Backpackers could consider cheap travel insurance before they head off.New figures from Aldi Travel indicate that five per cent of holidaymakers seek to save money by not buying travel insurance.Going, going, gone. Downunder for cheap travel insurance.
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Potential court action for people lacking online travel insurancePeople who go abroad without first buying worldwide travel insurance could potentially face court action if they're involved in an accident.
Cheap travel insurance was an option for people involved with South Australia promotionPeople in South Australia who took part in a tourism promotion campaign might have considered buying cheap travel insurance.
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Backpackers in Pennsylvania forest could choose to buy worldwide travel insuranceBackpackers planning a trip to Allegheny Forest in Pennsylvania might first buy backpacker travel insurance.
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Camper Van Insurance and Motor Vehicle Insurance for the UK and Europe

Van tour insurance is essential if your are going on a van tour this summer. We offer the following types of policies for European Van Tours and for Motor Vehicles in the UK:* 3rd Party Only* 3rd Party Fire and Theft* Comprehensive
Van tour insurance and Motor Vehicle Insurance must haves:
* Must be an Australian, New Zealand, South African, Canadian, American or British (must be over 40 years of age if British) license holder* Must be 20 years of age or older* Must be the registered owner of the vehicle* Must be using the vehicle for social, domestic or pleasure purposes * Vehicle must be less then 32 years old* Must be free from major vehicle modifications to the motor or body* Must have less than 7 seats* Vehicle must be UK registered
Our policies are the best in the business and we can offer you immediate cover. All you have to do is call us and request a 'AIG UK policy,' or click on the link above and have all your vehicle details, driver and license details for yourself and other nominated drivers (maximum of 4 people including the driver).
Van tour insurance is available to Australian, New Zealander, South African, Canadian and American travellers and expats based in the UK. We can also cover British travellers over 40 years of age. Most people will find that van insurance is incredibly difficult to find, especially if you are from overseas, but we have developed a policy that will cover you right throughout your travels in UK/Europe from 15 days up to 12 months.We also provide general Motor Vehicle Insurance to the above mentioned nationalities. Motor Vehicle Insurance can be difficult to obtain if you are only temporarily in the UK, or if you are on a UK working holiday. Downunder Insurance are able to assist you with car insurance at a reasonable price, just ask for a quote.
Motor Insurance Claims Details
Claims should be submitted by calling: 0208 649 6677 (9.15am - 5pm Mon-Fri)
UK Windscreen Claims: 0800 36 36 36Non-UK Windscreen Claims: 0208 649 6677

International Insurance America

Look no further as Downunder Travel Insurance, together with Specialty Risk International, have excellent vacation insurance policies available to suit your every need. Whether you are going abroad for a week, a few months or on an extended study or work abroad program, we have vacation and medical insurance policies that will cover all your travel needs.
We have 3 different international travel insurance policy types for you to choose from depending on the type of cover you might already have (if any) and what your needs are whilst abroad.
The Roundtrip Travel Benefits policy provides protection against trip cancellation/interruption/delay, lost or stolen baggage and emergency medical transportation. You never know what might happen while you are away, or even before you depart the USA, so get covered today with this reasonably priced travel medical insurance policy.
Click on the banner below to get an Instant Quote for International Travel Insurance for American's. The Liaison Traveler policy is great if you already have medical coverage outside of the USA as this policy will cover you for non-medical situations when abroad. The Liaison Traveler policy will cover you for Emergency Evacuation, Repatriation, Accidental Death and Dismemberment, and Personal Liability coverage.

The Liaison International Policy is the ideal policy for American residents wanting medical insurance when travelling outside the USA. Ideal for vacations or trips of 5 days to 3 years duration. Monthly renewal options available. Immediate coverage is available once you are satisfied with the quotation. Print your ID Card immediately! The Plan is underwritten by a U.S insurance company rated A- 'Superior' by A.M. Best.

Make sure you choose the appropriate policy for your needs. All you need to do to get an instant online quote is to click on the suitable banner.
Listed below are our departments that you might wish to contact. We have included some common requests to point you in the right direction. We are here to service your every need.
Customer Service Department
You would like for a representative to help you choose a policy that is right for you
You would like assistance purchasing a policy online You are an agent and would like to learn about how to sell our plans You are not sure what you need. Our Customer Service Department will get you to the right place!
Please email cs@sevencorners.com or call 1-800-335-0611 or collect 0-317-575-2652 and ask for the customer service department or fax 317-575-2870.
Administration Department

You would like to have a ID card sent to you in the mail, or you have not received your requested ID card You would like to make a change to your existing policy due to: a typo on your ID card, name misspelling, incorrect date of birth, or a change in coverage dates
You would like a renewal notice sent to you in the mail or via email
Please email policy@sevencorners.com or call 1-800-335-0611 or collect 0-317-575-2652 and ask for the Administration Department, or fax 317-575-2659.If you wish to cancel your policy, please email cancel@sevencorners.com or fax your request to 317-575-2659.

Australia Travel Insurance

60 Adventure Sports, including bungee jumping, surfing and scuba diving covered for free.
Overseas Work covered (except manual labouring involving use of heavy machinery)
14 Day Money Back Guarantee (on all policies)
24 hour worldwide medical emergency assistance
A "no excess waiver" - completely remove any standard excess payable should you make a claim for a small additional premium
100% secure online purchasing, for all your holiday insurance needs.
Please check full terms and conditions to see the limitations on cover
For more than a decade Downunder Insurance has been helping tens of thousands Australians, New Zealanders and Britons get cheap travel insurance and non-resident specialist motor insurance for European touring.
Specialising here in Australia in offering online travel insurance, we offer competitive insurance worldwide for anyone under 55 years old, on all types of trips of up to 12 months duration. Our policies are also attractive to those planning to work whilst overseas, as we cover most types of work and activities whilst abroad at no additional premium.
We deliver cheap travel insurance with great benefits to cover you almost anywhere in the world, leaving you more money to spend on travelling. Compare other online insurance policies with ours, to get the best extra cover online and peace of mind. Whether travelling to Europe on a long trip, or off to Fiji with the family for a couple of weeks, check out our prices which offer great value for money.
It's not like you can afford to travel without insurance in today's climate. Medical bills can escalate, expensive equipment and baggage can get lost or stolen, whilst travel arrangements can get changed or cancelled at a moment's notice. "If you can't afford insurance, you can't afford to travel" Be safe, not sorry and don't leave home without protection - buy a Downunder policy.

Contact us NOW for CHEAP TRAVEL INSURANCE
Free Ph 1800 148 766 (AUS only)

New Zeeland Travel Insurance

For more than a decade Downunder Worldwide Travel Insurance has been helping tens of thousands of Kiwis get great holiday insurance deals on New Zealand cheap travel insurance. Downunder Travel Insurance UK was the first New Zealand owned company to specialise in non-resident motor insurance and cheap travel insurance for Kiwis under 55 travelling to Australia, Asia, UK, Europe, America, in fact just about anywhere in the world, providing insurance cover that could not otherwise be obtained.
We can arrange motor insurance cover while you are travelling or working in the UK, along with any other travel insurance needs you may have. The most important thing, however, is for you to know that, we are with you all the way, and there when you may need us most. Building on this "hands on experience" in the UK, our specially tailor-made products are now available direct to you right here in New Zealand. That means you get the benefit of having the right level of insurance cover at the right price, without paying over the top prices.
Whether you are embarking on your "Big OE" or taking a well deserved break, we guarantee your complete satisfaction and offer you a claims service with a 24 hour, 7 day a week, world-wide emergency medical assistance service. Help is always just a phone call away. We do hope you will join us and in so doing, we say welcome to the team", have some serious fun, discover the world and enjoy your holiday.
Contact us NOW for CHEAP TRAVEL INSURANCE
Free Ph 0800 244 633 (NZ only)

Campervan and Motor Insurance - Benefits and Extras:

12 months European Touring - Green card issued for period of the campervan insurance
Extra Drivers covered at no extra charge - Up to three named drivers can be included on the policy at no extra charge
Short Term Insurance - We cover periods from 3 months to 12 months.
Australian, New Zealand, South African, Canadian and Americans covered - At no extra cost these nationalities insured no problem.
Vehicles with big engines - Vehicles covered up to 6000cc
Expensive vans covered - Campervans/vans covered up to £30,000
Cheap Travel Insurance for van tour - We offer packages that are tailor-made for van tour purposes, with a 10% discount on our telesales prices for motor insurance customer.
Breakdown UK & Europe - Additional breakdown cover can be purchased to cover your van tour in Europe

Travel Insurance - Benefits & Extras:

One Way Travellers - final destination repatriation option.
Overseas extension facility - extend your travel insurance (for up to a maximum total of 24 months) if your travel arrangements change.
Online editing facility, so you can add to your policy as you travel.
Overseas application facility - If you are UK/Eire resident abroad and intend to travel (with a final destination back to the UK/Eire), stuck with no insurance, we may be able to help.
Additional 25% cover at no extra cost when you buy Australia & New Zealand (or Worldwide excluding USA/Canada destination insurance - eg buy 12 months Australia travel insurance and/or New Zealand travel insurance and be covered for up to 3 months travelling outside Australia or New Zealand anywhere in the World.
60 Adventure Sports, including bungee jumping, surfing and scuba diving covered for free.
Overseas Work covered (except manual labouring involving use of heavy machinery)
14 Day Money Back Guarantee (on all policies)
24 hour worldwide medical emergency assistance
A "no excess waiver" - completely remove any standard excess payable, should you make a claim, for a small additional premium.
100% secure online purchasing, for all your holiday insurance needs.

Restaurant Insurance

Restaurant Program
The Restaurant Insurance Program offers a unique package policy specially designed for small to mid-sized family restaurants FOR LARGER RISKS PLEASE GIVE US A CALL
Our underwriting criteria include:

Apply Restaurant Insurance
Restaurant Supplemental Questionnaire
Eligible Classes of Business:
• Restaurant with no sales of alcoholic beverages• Restaurant with sales of alcoholic beverages up to 25% of total sales• Restaurant with sales of alcoholic beverages of more than 25% of total sales up to a maximum of 35% of total sales• Take out restaurants with no table service, maximum seating capacity of 40• Bakery, bagel or donut shop - baking only• Bakery, bagel or donut shop - with frying• Pizza Shop• Refreshment stand• Sandwich shopCoverage Included:• Equipment Breakdown • $10,000 Power Failure: Off Premises• $5,000 Valuable Papers and Records • $5,000 Accounts Receivable• $2,500 Outdoor Signs • $2,500 Personal Property of Others• $5,000 Personal Property: Off Premises • $5,000 Medical Payments per Person• $100,000 Fire Legal Liability/Damage to Rented Premises
Optional Coverage's
• Enrichment Endorsement • Satellite Dish Antennas• Employee Dishonesty • Money and Securities• Mini/Micro Computers • Accounts Receivable• Glass • Valuable Papers and Records• Increased Fire Legal Liability/Damage to Rented Premises • Outdoor Signs(for tenants only)Coverage's and Limits• Special form business owners coverage for buildings and personal property• Business income coverage included at limit equal to 20% of building plus 100% of personal property limit. Actual loss sustained is available as an option.
Liability Coverage for Premises and Products
Minimum: $300,00 per occurrence, $600,000 aggregateLiquor Liability Area
Restaurant Program Property Protection Code
• Automatic fire suppressant system and fire extinguishers (semi-annual cleaning service contracts required)• Grease filters must be cleaned weeklyExperienced Management• Restaurant must be in business at the same location under the same ownership for a minimum of 3 years
Ineligible Risks can still be written but under a different program.
The following characteristics are not eligible for the Restaurant Program:
• Sale of alcoholic beverages exceeding 35% of total receipts• Total receipts in excess of $2,000,000• New ventures including restaurants in business less than 3 years at the same location• Risks located in Protection Class 9 or 10• Building coverage on frame buildings over 25 years of age• Featuring live entertainment (incidental entertainment, such as a musician playing background music is acceptable)• Dancing• Off premises catering receipts in excess of 35% of total receipts• Fraternal or legion posts• Risks located in a converted structure (converted structure is a building not originally constructed for a restaurant occupancy)• Vacant or course of construction risk (remodeling projects acceptable up to 30 days)• Non-renewed or canceled for underwriting reasons by prior carrier• Seasonal operations (regularly closed more than 30 consecutive days)• On site playgrounds or more than three video games• Location in a marina, hotel, motel or truck stop• Risks with boat docks owned or operated by the insured• Risks with gas pumps• Risks with athletic or sporting events on premises• Building/Liability coverage is not available for multi-occupied risks except for owner occupied apartments
Easy to Write
We have specially designed our program to make it fast and easy for you to write your small to mid-sized family restaurants with us.

Artisan Contractors Insurance

LOOKING FOR ARTISAN COVERAGE FOR YOU OR YOUR CLIENTS?
~ CALL US ~ WE CAN HELP ~
Nearly 40 classes of contractors are eligible under the Artisan Contractors Program, including some classes usually not packaged orwritten by other companies.

Below is a listing of our underwriting criteria and coverage’s.
Our underwriting criteria include:
• 10 or fewer employees (full and part time combined) or more • Payroll up to $1,000,000 or more• Annual gross receipts up to $5,000,000 or more

Basic Coverage’s Automatically IncludedThe Artisan Contractors Program automatically includes most commonly required coverage’s, so it’s easy to rate, quote, and write.

Liability Limits:Minimum: $100,000 per occurrence, $200,000 aggregate ($300,000 aggregate in Utah)

Coverage’s Included:
The following coverage’s are automatically included in the program and in the single rate:
• $5,000 Medical Payment per Person• $100,000 Fire Legal Liability• $1,000 Property in Your Care, Custody or Control• Personal and Advertising Injury• Products and Completed Operations• $2,500 Personal Property: On Premises (Excluding theft)• $2,500 Personal Property Off Premises (Excluding theft)

Optional Coverage’s for Special Risks
Artisan Contractor Program also offers an array of optional coverage’s for special risks that require an individually tailored policy.
They include:
• Building• Increased Personal Property: On and Off premises• Theft• Money and Securities• Valuable Papers and Records• Accounts Receivable• Employee Dishonesty

Artisan Contractors Program
Listing of Eligible Classes:
• Appliance & Accessories: Installation & Service• Cabinet Makers & Installers• Carpet Cleaning• Cleaning Services: Residential or Office• Driveway/Sidewalk: Paving and Repairing• Dry Wall or Wallboard: Hanging & Taping• Electrical Wiring (Excluding Alarm Work)• Landscape, Gardening• Marble, Terrazzo, Tile or Stone Work• Office Machines & Appliances or Computers: Repair or Service• Overhead or Garage Door Installers• Painting (Excluding Spray Painting)• Paperhanging• Plastering: Interior Only• Siding Installation (Excluding Stucco)• Plus Others...

Looking for a Contractors License Bond ?
Use this Application for any State for a Contractors License Bonds


MANY OTHER LINES OF COVERAGE AVAILABLE! CALL FOR DETAILS AND QUOTES ! ! !

Commercial Insurance

LOOKING FOR LIABILITY COVERAGE FOR YOUR CLIENTS?
~ CALL US ~ WE CAN HELP ~

Commercial General Liability
Ask about our Commercial General Liability Products (Licensed in all Fifty States )
Protect your business today. No matter what business you have even if your business has limited exposure to loss you still face the threat of claims and lawsuits for damages arising from it's acts or omissions in conducting your day to day operations. If you have questions or need assistance don't hesitate to calls us for a free insurance review
Apply for Commercial General Liability

Business Owners Policy
We now offer Business Owners Insurance


E & O Insurance (Professional Liability Insurance)

We have a wide range of Insurance products for E & O Insurance we can handle every class of business please fill out the following application in order to obtain a quote
If you do not see your class of business here please use this Application
For Insurance Agents use this Application
For Physician Professional Liability use this Application
For Home Health Care use this Applcation
For Real Estate Agents use this Application
For E & O for Title Agents use this Application
For E & O for Mortgage Broker or Banker use this Application
Supplemental Application for Mortgage Brokers


Workers Compensation Insurance

Workers Compensation Insurance Application


Artisan Contractors Insurance
When an insured hires an independent contractor (as opposed to an employee) to perform certain tasks or jobs, the Insured may become vicariously liable for acts of the contractor.
For an example, a furniture store needs its parking lot repaved. XWY paving is hired to do the job. During the laying down of the new asphalt, a passerby is injured. Seeing that the work is being done for the furniture store, the injured party files a claim against the furniture store. Since the store owner arranged for the independent contractor to perform the work the store owner may be liable for the injures even though they had nothing indirectly to do with causing it. Apply for Artisan Contractors Insurance

Restaurant Insurance Program
The Restaurant Insurance program is designed for small to mid-sized family restaurants. It caters to a variety of eligible classes of business, from bakeries and refreshment stands to small eateries and takeout restaurants. The Restaurant Program includes Equipment Breakdown coverage, as well as Personal Property, Accounts Receivable, and Medical Payment coverage's. Apply for Restaurant Insurance

Hotels, Motels, and Inns Insurance Program
Unique package policy options specially tailored to the needs of inns, lodges, and bed & breakfasts, as well as small to mid-sized franchise and non-franchise hotels and motels. The Hotels, Motels, and Inns Program addresses the special needs of this select group of clients, including Commercial Property, General Liability, Inland Marine, and other special coverage's designed for those in the hospitality industry.
Apply for Hotels, Motels, and Inns Insurance

MANY OTHER LINES OF COVERAGE AVALIABLE! CALL FOR DETAILS AND QUOTES ! ! !

Surety Information

Need a Surety Bond?
WorldWide Insurance Specialists, Inc; is a nationwide Surety Bond and Fidelity Bond Agency You can count on us for fast and friendly service. We understand that our success depends on the loyalty and confidence of our customers. We value this relationship and show our appreciation in the form of excellent service.
What to expect at WorldWide Insurance Specialists, Inc
A broad range of Surety bond markets allows us to place any difficult risk. Renewals are handled with a minimal amount of additional information. Even if you have been declined by another Surety agency or Surety Company we can help.We also handle preferred Surety Bonds as well.. We are an independent Surety Bond agency so we are not tied down to anyone Surety Company.
If you are an Agent
We are easy to work with if you are an agent. There is no appointment necessary. If you are an Agent/ Broker we will only deal with you not your client.
Surety Bond Definition :
A Surety Bond is an agreement subject to the Bond Form. The Surety Bond is usually required for monetary compensation for failure to perform specified acts referenced in the Bond Form.
A Surety Bond is a generic name for all bonds. Surety Bonds are usually required by the state or Federal Government; these bonds are called License and Permit Bonds.
There are three parts of a Surety Bond, the first is the Obligee. They are the entity requiring the Bond.
Second is the principal. The Principal is the person whom will perform the contractual obligations set forth in the Bond Form.
The third part is the Surety Company. They are the entity who will be insuring the Bond.

Surety Bond Underwriting
Surety Bond Underwriting: At Worldwide Insurance Specialists; we can handle all your Bonding needs even, if you have been declined for credit, financials or bond type.
Apply for a Surety Bond
MVD Bonds
Call today and ask about our exclusive MVD bond programs. We have several markets that write MVD bonds for all fifty states. From preferred credit to less than prefect credit we can write your MVD bond. If you have a bankruptcy or your business or personal financials do not meet the normal underwriting requirements, we can help even if your a startup company. Unlike other companies our programs are non-collateralized, so you do not have to tie up your working capital in a non interest bearing account with a surety company. You can keep your money where it belongs; with you!
Contractor License bonds
Call for our Instant issue contractor license bond program accounts with less than prefect credit or weak financials. This Contractor License bond program is an exclusive nationwide program designed to help you obtain your license, even if you have had a bankruptcy or credit issues. The contractor License bond program is a non-collateralized program.
If you don't see your Surety bond; or if you don't know the type of Surety bond you need, please contact us toll free at (888) 518-8011 and speak to one of our Surety Bond experts. Remember all bonds are Surety bonds