Is My Insurance Coverage Nationwide? Does It Cover Me Abroad?
A business insurance policy like General Liability Insurance or Professional Liability Insurance typically travels with you no matter where you are in the United States and its territories (Puerto Rico, Guam, US Virgin Islands, etc.).
So if you have a business in Boise, but end up breaking your client's laptop while attending a conference in Albuquerque, your General Liability Insurance may still cover the damages. Professional Liability can protect your business as long as you produced the work in the United States and the lawsuit is brought in the United States.
Commercial Property Insurance may protect certain valuables (e.g., usually laptops) when they travel with you around the United States.
Workers’ Compensation Insurance, on the other hand, is regulated on a state-by-state basis, so the rules and requirements that govern a particular employee depend on where the covered person performs their work.
That said, in most cases, your business insurance policies won't cover international incidents, with the possible exception of Commercial Property Insurance. Some property policies can cover certain valuables no matter where they are in the world. For example, if your laptop is damaged or stolen while you stroll down the Champs-Élysées in Paris, your policy may cover it.
If you’re planning to travel beyond US borders and have concerns about your coverage making the trip with you, it might be a good idea to discuss your policies with your insurance agent.