Insurance in the USA for European Companies

Global companies should have global insurance. European Companies with USA subsidiaries are best served by a globally-coordinated insurance program. Foa & Son works with a client’s Europe-based insurance broker to design and implement a customized global insurance program. The program is then approved and managed through Europe with seamless implementation in the USA.

Local Service, European Expertise

Foa & Son’s USA-based service team has been working with European clients for more than 50 years. Our team currently services more than 400 reverse flow (European-based) accounts on behalf of our clients, including a large percentage of Europe’s most recognized luxury brands, manufacturers, and exporters.

Clients trust Foa & Son because we go beyond placing insurance.

We act as a business advocate for our clients, working to protect the USA subsidiary and the European mother Company.


Foa & Son partners with the USA subsidiaries of European Companies and their Global Insurance Brokers utilizing these tools: Program Deficiency Review, Custom Crafted Insurance Specifications, Superior Placement of Global Insurance, Global Claims Experience, Proactive Communication.

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  • We create a deficiency review of a client’s current USA insurance program then work with the client’s European insurance broker to remedy deficiencies through a mixture of global and local insurance programs. Common problems include:

    German parent company is not covered by the USA liability insurance. (Under USA and EU law, uncovered claims can be collected directly in Italy from the European parent company)

    USA insurance programs allow the insurer to sue the European parent company for supplying faulty products to their USA subsidiary

    Non-USA employees are sent to the USA to perform duties without the correct mandatory Workers Compensation coverage (These workers are then prohibited from entering customer facilities)

  • Foa & Son creates detailed insurance recommendations for your European global broker, with whom we partner to procure the right coverage and premium levels for your USA subsidiary. Specifications are crafted to:

    Comply with applicable local insurance laws

    Cover region specific hazards (examples include: earthquake, flood, wildfire and terrorism)

    Meet local customer insurance requirements

    Proactively request coverage that meets USA local standards but is often excluded from European-based global insurance programs

  • Foa & Son differentiates itself through its relationships with all global insurers and their specialized “reverse flow” underwriters, who work exclusively on the USA exposures of global insurance programs originated in Europe.

    Major global insurers, such as AIG, Chubb, Allianz and Zurich, have specialized reverse flow underwriting departments. Most USA brokers only have relationships with these insurance companies to write insurance for USA based companies. Foa & Son extends these relationships directly into their specialized “reverse flow” departments.

    Many important European insurers, such as Generali, HDI Gerling, Axa Insurance, Royal Sun Alliance and ERGO, have a very small footprint in the challenging USA insurance market and very limited relationships with USA insurance brokers. Foa & Son consistently conducts business with all of these insurers, which allows us to create the most beneficial outcomes for our clients. 

  • The Foa & Son claims team is always ready to respond and utilize its experience collecting claims from global insurance placements, including:

    Communicating with local and international managers regarding large or unusual

    Maximizing claims payments to our clients using both applicable local insurance and European-based master insurance policies.

    Maintaining records and sharing information with all parties as claims are processed and settled.

  • Whether it is a large claim or a change to local coverage requirements, our service team is trained to inform the local USA management and the European global broker of important issues. This proactive approach keeps clients and global brokers from being surprised by insurance issues in the USA.

Contact us today to accelerate your international insurance agenda

Your questions and inquiries are always welcome

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