International Workers' Compensation
This insurance provides compensation for US Nationals, Third Country Nationals, and Local Nationals:

U.S. Nationals: Payment for all compensation and all benefits required of an employer under the workers compensation act of the state of Maryland.

Third Country Nationals: Payment for all compensation and all benefits required of an employer in the country of hire or country of origin.

Local Nationals: Compensation is provided for employers' liability only, except as insured under policies issued by the company in Bermuda, Guam and N. Marianas Islands.

Bermuda Nationals: Compensation is provided in accordance with statutory Bermuda workers compensation benefits.

Guam Nationals: Compensation is provided in accordance with statutory Guam workers compensation benefits.

N. Marianas Nationals: Compensation is provided in accordance with statutory N. Marianas Islands workers compensation benefits.

All other employees wherever hired: Employers' Liability Only. Spouses of U.S. National and Third Country National Employees and spouses of U.S. National and Third Country National Volunteers are afforded medical expenses. Individuals are considered to be in the course and scope of work related activities at all times except while covered under trip coverage.

Trip Coverage: Coverage is provided for covered individuals whose principal duties are confined to work in a country other than the United States of America or Canada while they are temporality (6 months or less) within the United States of America or Canada.