Insurance Programs for Overseas Businesses
Do you have overseas business operations or operate a company registered outside Australia? If so, your Australian insurance policies may not follow you across the border.
Many domestic policies have territorial limitations. This means coverage only applies to operations conducted within Australia. If your business operates, employs staff, holds assets, or provides services in other countries, you’re exposed in those jurisdictions.
A global insurance program is a coordinated approach to managing risk across multiple countries. Instead of placing separate policies in each territory, a global program keeps your coverage consistent, compliant with local rules, and managed from one point. This matters because gaps between local and international coverage are one of the most common and costly insurance problems for businesses with overseas operations.
“Clear Insurance has been our trusted allied health insurance provider for many years. They offer comprehensive coverage and personalised recommendations. Their knowledgeable advisors and proactive approach have been invaluable, especially during industry changes. Their efficient claims handling process and commitment to customer service make them an outstanding choice.”
“We couldn’t be more pleased with the outstanding service provided by Lisa and her team from Clear Insurance in renewing our new insurance policies. Their dedication, attention to detail, and responsiveness made the entire process seamless and stress-free. They took the time to understand the needs of our business and found us the best available coverage at competitive rates. We highly recommend anyone looking for a knowledgeable and reliable insurance partner to get in touch with Lisa and the team from Clear Insurance!”
“We’ve been so impressed at the high-quality service provided by Clear Insurance. They were very thorough when assessing our insurance needs, ensuring that they completely understood our business before making any recommendations. Thank you, Lisa and the team!”
“Clear Insurance has become a key partner for WorkSafe Connect. Lisa and the team have ensured that we understand the risks associated with our business interests and have helped us decide on the cover we need. From taking over an existing set of policies to the full re-marketing of our portfolio, the quality of service, transparency of advice and responsiveness to any request is outstanding. In Clear Insurance, we feel that we are working with a partner who wants the best result for our business and is helping us achieve success.”
“I have had such a good experience with Clear insurance. They recommended to me many changes to my old policies and in less than 4 months the difference saved me $80,000 so I am over the moon. They absolutely know their area of expertise. Thank you to Clear insurance and yes, I can’t recommend them enough.”
“Clear Insurance completed an in-depth analysis of our insurance coverage, identifying our organisation was under-insured. They provided a comprehensive proposal specific to the context that we work in and our growth as a business. It is evident to me, Clear Insurance work diligently and tirelessly to truly understand the needs of their clients to protect them against potential risks.”
“All the work you guys do to help us, we are really grateful.”
“I note your disclosure of the Advisor Service Fee and think that this adds veracity to the insurance renewal process.”
“It’s refreshing to get great service!”
*These testimonials represent individual client experiences. Results vary based on circumstances, requirements, business operations, and market conditions.
Who Needs a Global Insurance Program?
This service suits businesses that:
- Have subsidiary companies, branch offices, or operations registered in countries outside Australia
- Send employees overseas regularly, whether for project work, sales, or management
- Supply goods or services to international clients under contracts requiring local insurance compliance
- Hold assets, property, or equipment in overseas locations
- Are expanding internationally and need coverage that grows with them
Industries we work with include:
- Professional services firms with international clients
- Construction and engineering companies working on overseas projects
- Technology businesses operating across multiple markets
- Businesses with international staff or contracts
- Manufacturing businesses with overseas distribution
How Clear Insurance Manages Your Global Program
As a member of the Steadfast Broker Network, Clear Insurance has access to local and international insurer partners. This network enables us to source coverage that meets both Australian standards and local regulatory requirements in the countries where your business operates.
Our process:
- Understanding Your Operations
We take time to understand your international operations before recommending a structure
- Coordinating Placement
We work with local insurers where needed and manage the placement process across territories
- Keeping You Informed
We update you at every step
- Review at Renewal
Before renewal, we review your global insurance program against your current operations and any changes within the countries you operate
This keeps your coverage current as your business evolves.
For more information on Global Insurance Programs, call Clear Insurance on 1300 721 132 or email info@clearinsurance.com.au. You can also complete our online enquiry form, and an experienced adviser will be in touch.
Frequently Asked Questions
What is a global insurance program?
A global insurance program coordinates your insurance across multiple countries. Rather than relying on a single domestic policy or placing coverage separately in each territory, a global program keeps your coverage consistent, locally compliant, and managed centrally. We work with local and international insurer partners to build programs that reflect your actual international footprint.
Does my Australian business insurance cover overseas operations?
Not automatically. Most Australian commercial insurance policies only cover operations within Australia or its territories. If your business operates, employs staff, holds assets, or provides services in other countries, you may need locally licensed insurance in those countries or a global policy with specific international extensions. We can review your current coverage and identify any gaps.
What types of businesses need a global insurance program?
Any business with operations, employees, assets, or contractual obligations outside Australia should check whether its current insurance covers those exposures. This includes:
- Professional services firms with international clients
- Construction and engineering businesses on overseas projects
- Technology companies operating across multiple markets
- Allied health providers with international staff
- Manufacturing businesses with overseas supply chains or distribution
What does a global insurance program typically cover?
The specific coverage depends on your operations, but global programs commonly include:
- Property
- Liability
- Professional indemnity
- Management liability
- Directors’ and officers’ liability
- Business travel and expatriate cover
- Marine transit for goods moving internationally
The structure and coverage are built around your actual risk profile, not a standard package.
How does the Steadfast Broker Network help with global programs?
As a Steadfast member, Clear Insurance accesses local and international insurer partners that most businesses cannot reach independently. This network lets us source coverage in multiple markets, work with locally licensed insurers, and negotiate terms that reflect our collective placing power rather than as a standalone firm.
How do I get started with a global insurance program?
Contact Clear Insurance on 1300 721 132 or complete our online enquiry form. One of our insurance advisers will be in touch to discuss your international operations and help you understand what coverage you may need. There is no obligation to that initial conversation.
Last updated: 1 September 2026