Foreign Voluntary Workers Compensation endorsement and separate coverage differ based on a variety of factors.
A FVWC endorsement simply modifies the domestic workers’ compensation policy to cover overseas workers on temporary assignment. This endorsement pays for benefits in agreement with the state laws in which the employee was hired. The domestic policy needs to have an inclusive definition of “temporary assignment” and cover incidental travel. If the employee is a U.S. hire traveling overseas (incidental travel), the foreign voluntary workers’ compensation endorsement may be enough.
A separate FVWC policy, however, often has more in depth coverage than a simple endorsement and is better for long term assignments. If U.S. hires are working overseas longer than six months, then a separate foreign voluntary workers’ compensation policy may be necessary.
Both the endorsement and separate policy should cover the following:
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