Georgia Adjuster Practice Test

Which policy component covers injuries sustained while traveling for work duties abroad?

1. A standard health insurance policy

2. The Foreign Coverage Endorsement

3. A travel accident policy

4. An international business liability policy

The correct answer is: The Foreign Coverage Endorsement

The Foreign Coverage Endorsement is the correct component that addresses injuries sustained while traveling for work duties abroad. This endorsement is specifically designed to extend coverage to employees who are traveling outside of their home country for business purposes. It provides essential protections for medical expenses and other liabilities that may arise during these foreign assignments. While a standard health insurance policy may cover some situations, it often has limitations regarding international coverage and may not include work-related injuries. A travel accident policy focuses more on accidents occurring during travel but may not encompass all types of injuries or liabilities associated with work duties. An international business liability policy could provide some level of coverage, but it primarily addresses liability issues rather than directly covering injuries sustained by employees while traveling abroad. Therefore, the Foreign Coverage Endorsement is the most comprehensive and suitable option for ensuring protection during work-related travel outside the home country.