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 contain territorial limitations that restrict coverage to operations conducted within Australia, leaving businesses with international activities exposed in the jurisdictions where they actually operate.
A global insurance program is a coordinated approach to managing risk across multiple countries. Rather than placing separate, disconnected policies in each territory, a global program is structured so that your coverage is consistent, compliant with local regulatory requirements, and managed from a single point of coordination. 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 is suited to 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 roles
- Supply goods or services to international clients under contracts that require local insurance compliance
- Hold assets, property, or equipment in overseas locations
- Are expanding internationally and need coverage that grows with their footprint
The industries we see this most often in 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, and 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 a wide network of 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 insurance advisers take the time to understand your international operations before recommending a structure. We coordinate with local insurers where required, manage the placement process across jurisdictions, and keep you informed at every step. Before renewal, we review your global program against your current operations and any changes in the countries you operate in, so your coverage stays current as your business evolves.
For more information on Global Insurance Programs, contact the Clear Insurance team today.
Frequently Asked Questions
What is a global insurance program?
A global insurance program is a structured approach to insuring a business that operates in more than one country. Rather than relying on a single domestic policy or placing ad hoc cover in each territory independently, a global program coordinates your coverage across jurisdictions so that it is consistent, locally compliant, and managed centrally. Clear Insurance works 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 have territorial limitations that restrict coverage to operations conducted within Australia or its territories. If your business operates, employs staff, holds assets, or provides services in other countries, you may need locally admitted insurance in those jurisdictions or a global policy with specific international extensions. Clear Insurance can review your current coverage and identify whether gaps exist.
What types of businesses need a global insurance program?
Any business with operations, employees, assets, or contractual obligations outside Australia should consider whether its current insurance adequately 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, and 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, and marine transit for goods moving internationally. The structure and coverage types are built around your actual risk profile rather than a standard package.
How does the Steadfast Broker Network help with global programs?
As a Steadfast member, Clear Insurance has access to a network of local and international insurer partners that most businesses cannot reach independently. This network gives us the ability to source coverage in multiple markets, work with locally admitted insurers where required by foreign regulatory authorities and negotiate terms that reflect our collective placing power rather than placing as a standalone firm.
How do I get started with a global insurance program?
Contact Clear Insurance on 1300 721 132 or use our contact us 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: 13 May 2026
