Foreign Voluntary Workers’ Compensation Insurance
Foreign Voluntary Workers’ Compensation Insurance (FVWC) from Mutual Life Global provides extended protection for employees who are working outside their home country.
Foreign Voluntary Workers’ Compensation Insurance
Protect your global workforce with confidence.
Foreign Voluntary Workers’ Compensation Insurance (FVWC) provides comprehensive protection for employees working outside their home country — including expatriates, migrant workers, contract staff, seasonal laborers, and foreign nationals.
This coverage ensures that your business remains compliant with international regulations while safeguarding employees who face injury, illness, or work-related risks abroad. It addresses the limitations of standard domestic workers’ compensation policies, which often exclude foreign jurisdictions, temporary overseas assignments, or cross-border projects.
For businesses operating in Africa, Europe, the Middle East, Asia, and the Americas, FVWC is particularly valuable in industries such as construction, mining, oil and gas, manufacturing, shipping, and humanitarian aid — where mobility, cross-border operations, and workforce safety are critical.
With FVWC, you protect not just your employees, but also your company’s reputation, operational continuity, and legal standing in multiple regions worldwide.
How It Works
Understanding Foreign Voluntary Workers’ Compensation Insurance
- 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.
- Global Compliance – Helps your business meet foreign legal obligations and mitigate risks in jurisdictions where local workers’ compensation laws differ.
- Beyond the Workplace – Often includes 24/7 coverage during overseas assignments, protecting employees during travel, accommodation, and other assignment-related activities.
- Repatriation Assistance – Covers costs to return injured or deceased employees to their home country, ensuring families receive closure and support.
- 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.