1. Coverage Scope – FVWC covers work-related injuries, illnesses, and fatalities that occur while employees are working abroad, including medical treatment, rehabilitation, repatriation, disability benefits, and death benefits for beneficiaries.
2. Global Compliance – Helps your business meet foreign legal obligations and mitigate risks in jurisdictions where local workers’ compensation laws differ.
3. Beyond the Workplace – Often includes 24/7 coverage during overseas assignments, protecting employees during travel, accommodation, and other assignment-related activities.
4. Repatriation Assistance – Covers costs to return injured or deceased employees to their home country, ensuring families receive closure and support.
5. Integrated Risk Management – Works alongside your company’s global health, travel, and life insurance policies for complete protection.

Scenario – US to Europe Assignment

Case Example:

A United States engineering firm sends a project manager to oversee a construction site in France for six months. During the project, he suffers a severe back injury while operating heavy equipment.

Without FVWC:
The company’s domestic workers’ compensation policy does not apply in France, leaving the employee’s medical costs, lost income, and repatriation expenses uncovered. The company risks legal action in France and reputational damage.

With FVWC:

• The employee’s medical treatment in France is fully covered.
• Salary replacement is provided during his recovery.
• All repatriation and rehabilitation costs are paid.
• The company remains compliant with French regulations, avoiding penalties and liability.