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In these days of mergers and acquisitions, globalization, and shifting business operations off-shore, questions can arise as to how various insurance policies address off-premises losses. For example, if an insured company based in Ohio expands its operations to Nevada or buys a plant in England, will the commercial property policy cover a fire loss to the newly acquired buildings? Or, if the insured is based in Ohio and then builds a manufacturing plant in India, then will the general liability policy provide coverage for the company if its product injures a consumer in Brazil? Additionally, if a company employee travels to Europe and rents a car for business purposes, will the business auto policy protect the insured if an at-fault accident occurs?


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