This site was developed to make the insurance experience for the employees of Alcoa fast, efficient and available (24 / 7) anywhere in the world. This site can be accessed to put in effect a new policy or request a change to an existing policy. The insurance program is administered by Consolidated Insurance Center, Inc. and underwritten by AIG.
11403 Cronridge Dr. Suite 270
Owings Mills Md. 21117
| David Reeve | Phone: 011.410.356.9500 | Email: dreeve@cicinc.com |
| Betsy Bond | Phone: 011.410.356.9500 | Email: bbond@cicinc.com |
Personal Worldrisk offers the advantages of similar policies sold in the USA. All policies are written in clear, easy to understand English. We cover your belongings worldwide while you are traveling. If you are relocated, we can cover you at your new location! Should you have a loss, you need not be concerned with depreciation on your assets over time. We will replace your belongings with an identical item or an item of same quality.
This section protects personal property owned by you, or by members of your family who reside in the same foreign household, against physical loss or damage, subject to a deductible.
You also have the option of extending protection to cover personal property you have stored in a commercial warehouse in the U.S. or Canada.
Identity Theft Expense coverage can also be added to the policy to reimburse you for select out-of-pocket expenses as a result of identity theft. For a small additional premium, coverage can be provided for you and up to four immediate family members.
Personal WORLDRISK makes coverage available for items (including, but not limited to household furniture, jewelry and other personal effects and computers) that are destroyed or damaged from the causes such as: smoke, windstorm, theft, burglary, robbery, vandalism, fire, hurricane, hail, explosion, avalanche, lightning, riot, falling objects, among others.
The policy provides replacement cost coverage for each of your unscheduled items, subject to limitations for certain classes of property like jewelry, watches, furs, fine arts, antiques, cash, currency, manuscripts, securities, deeds, stamp collections, letters of credit, passports, golf equipment, computer hardware, and others. Some of these items may be scheduled on the policy separately so that the full value is insured in the event of a covered loss.
Without adequate protection, liability suits can be financially devastating to any family. Your possessions, savings and future earnings are at stake.
Comprehensive Personal Liability insurance protects you and your family living in the same foreign household, against sums which you are legally obligated to pay for bodily injury and property damage. We will also pay for immediate emergency medical payments of up to $2,000 per occurrence if a third party suffers bodily injury on your property or elsewhere if this loss is a result of your actions.
It is a common fallacy to believe that the shipper automatically covers the entire value of your goods being shipped. You are responsible for your contents if the total value is more than the coverage provided by the shipper. The shipper provides a limited form of insurance protection usually limited to no more than $500 or some other amount. If your contents are worth more than $500, you need this coverage.
Transit coverage provides protection, warehouse-to-warehouse, on a per shipment basis by air or sea, subject to a deductible. All premiums for goods in shipment are fully earned once shipment begins.
Political Risk coverage will indemnify you against loss sustained, subject to the limit of personal property coverage and valuable articles coverage, as a direct result of War, Civil War and Insurrection or Expropriatory Action and Acts of sabotage or Terrorism.
The description of insurance coverage in this brochure is a summary
only. The coverage is subject to terms and conditions outlined and
certain restrictions, limitations and exclusions contained in the
policy of insurance. In the event of any conflict between the above
description of coverage and the policy of insurance, the provisions
contained in the policy of insurance will govern. Coverage may not
be available in all jurisdictions.
