Risk Management

Working Abroad?
Risks and Foreign Liability

When OSU employees work or travel abroad, the State purchases Foreign Liability Insurance that covers International General Liability and Auto Liability, and International Voluntary Workers' Compensation. PRIOR to travel outside the U.S. and Canada, all OSU employees should:

1. Consult the U.S. Foreign Travel Advisory and Warnings and review any public announcements and country sanctions. If the country of travel has warnings, notify the OSU Office of Risk Management to confirm coverage with insurance carrier.
2. Register your trip with the OSU Office of Risk Management to receive your WorldRisk Travel Card and to confirm the Foreign Liability Insurance carrier has the country of travel listed.
3. Notify the American Consulate. During a disaster overseas, American consular officers can assist in evacuation were that to become necessary if they know a person’s location.
4. Obtain any required immunizations and required documents for the country of travel. Student Health Services may be able to help you with your required immunizations.

NOTE: If driving a vehicle while abroad, purchase the insurance options available for the vehicle.

When OSU students travel abroad, OSU does NOT provide liability coverage for the student; however, health insurance is required and available through International Programs.

Coverages and Countries of Travel for 2007

The International General Liability and Auto Liability applies to worldwide suits for foreign occurrences.

International Foreign Voluntary Workers' Compensation applies to domestic employees traveling worldwide outside the US and Canada and applies to foreign based employees traveling worldwide including travel to the US and Canada on state business.

Pre-approved countries for OSU travel are updated annually and listed below for 2007. To ensure you are covered during your trip and/or to add a new country of travel, please notify the Office of Risk Management.

Argentina, Australia, Bolivia, Brazil, Chile, China, Ecuador, France, Germany, Iran, Israel, Italy, Japan, Laos, England, Malawi, Malaysia, Mozambique, Myanmar, Norway, Pakistan, Qatar, Southern Guyana, Switzerland, Thailand, Tanzania, Tunisia (Canada and Mexico are covered under the Self Insurance Fund).

Limits of Coverage

International General Liability and Auto Liability Limits: $3,000,000

Repatriation Expense: $250,000 Each Employee, $500,000 Policy Limit

WorldRisk Travel Cards

The Office of Risk Management supplies all OSU employees with WorldRisk Travel Cards that provides employees with information for:

• Medical Assistance and Travel Medical Emergency Services
• Personal and Pre-Trip Services
• Legal Assistance
• Emergency Cash-from personal funding source
• Lost Baggage or Passport Assistance
• Insurance Coordination
• Evacuation and Repatriation
• Emergency Message Center
• Other General Assistance

Helpful Information

The US Dept of State provides assistance in all matters involving protective services for Americans abroad, including arrests, death cases, financial or medical emergencies, and welfare and whereabouts inquiries through Overseas’ Citizens Services.
Tips for travel