Victor O. Schinnerer & Co. Inc. has multi-yearpolicy terms for the International Advantage program. Policies areavailable in 2 or 3 year terms. Multi-year policies are availableto firms that pay its premium in full at policy inception and haveno losses under this coverage. Discounts of up to 20 percent areavailable for pre-paid policies depending on the type of firm.

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Accounts with a property total insured value greater than $2million are not eligible. International Advantage is a program thatis designed to protect the employees of U.S. based businesses whotravel, even infrequently, to locations outside the U.S.

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