Sahouri Industries
Insurance for
Multinational Organizations

Global Insurance Solutions Across Industries
EXPERTISE IN GLOBAL INSURANCE STRATEGIES
Geographic challenges and exposures in foreign markets call for resilient healthcare and risk consulting practices. Our approach to protecting your interests overseas starts with comprehensive assessments and ends with your peace of mind.
This advocacy on your behalf includes managing locally admitted policies for multinational operations, ensuring compliance with international regulations, managing cross-border liability, and securing assets in fluctuating economies.
By serving as an extension of multinational financial and administrative teams, our highly specialized experts work diligently throughout the year to maximize ROI on their health, benefits, and insurance investments.
MULTINATIONAL OGRANIZATION INSURANCE
The importance of specialized insurance and risk management is especially paramount with multinational operations. Sahouri Insurance understands the intricacies of operating across international borders.
We offer thorough reviews of contracts and business terms, ensuring appropriate coverage for diverse scenarios – from overseas operations to compliance with international regulations. Our approach integrates comprehensive global risk mitigation with tailored insurance solutions, delivering peace of mind and protection for your organization, its staff, and its global footprint.
Capabilities for
Multinational Companies
- Licensed in all 50 States & Around the World
- Scope of Expertise: Continental U.S. (CONUS), Outside Continental U.S. (OCONUS)
- Bidding, Implementation, Onboarding, Deployment, Active Assignment, Coordination with Carrier, Evacuation, Repatriation
- Highly Trained and Designated Corporate Risk, Health, & Wealth Insurance Advocates
- Integrated, Peer-Level Human Resources, Benefits, and Business Insurance Consulting
- Cutting-edge HR, Risk, Compliance, and other Business Technology Solutions
- Access to A-rated Insurance Carriers Specializing in serving Federal Contractors
- Personal VIP Insurance Services

Serving all Multinational Operations
Sahouri Insurance collaborates with leading markets known for their financial stability and expertise in the sectors they serve. These strong partnerships enable us to find precise insurance solutions tailored to safeguard your achievements. We cater to a diverse range of businesses, from innovative startups to established multinational corporations, ensuring that as your business evolves, our insurance programs adapt in tandem. We provide comprehensive insurance for a wide array of multinational businesses:
- International Trade Associations
- Nationally-Owned Airlines
- Commercial Real Estate
- IT & Technology
- Entertainment
- Hospitality
- Construction
- Manufacturing
Corporate Risk Protection
Transfer, Reduce, & Eliminate Risk
Our global risk experts take the time to conduct comprehensive risk assessments of your operations before making recommendations to address cross-border risks – from cyber exposures that include data breaches, third-party financial losses due to an error or omission in work performed, and ransomware; to employment-related disputes (i.e., allegations of wrongful termination, discrimination, sexual harassment); work-related injuries; loss of revenue due to business interruption; and others.
Coverage
Global Liability Coverage
- Foreign-Owned Locations
- Foreign-Owned Contracts
- General Products Liability
- Global Travel Coverage
- Professional Liability
- Excess Liability (Umbrella)
- Kidnap, Extortion & Ransom
- Marine Cargo, Equipment Breakdown
- Accidental Death & Dismemberment
Financial & Management Lines
- Cyber Liability
- Directors & Officers (D&O)
- Employment Practice Liability (EPL)
- Fiduciary Liability
- Errors & Omissions (E&O)
- Business Interruption
- Crime
Global Personnel Protection
- Defense Base Act (DBA)
- Maritime & Foreign Voluntary Workers' Compensation
- Medical, Political, & Security Evacuation
Property & Auto
- Lost Business Income Coverage
- Owned or Hired/Non-owned Auto
- VIP Personal Property & Auto Insurance
Consulting
- Coverage Selection & Renewal
- Claims Analytics & Management
- State & Federal Compliance Support
- Data Center/IT Assessments & Data Breach Services
- Business Continuity/Disaster Recovery Planning
- Medical or Security Evac
- Safety Program Audits
- Loss Control Technology
- Executive & VIP Services
- Software for Ergonomic Learning & Assessment (SEla)
- Compliance Support & Regulatory Guidance
- Additional Professional Services

Corporate Health & Benefits
Recruit, Retain, & Reward Top Talent
At Sahouri, we know how critical top talent is to your organization – both in attracting and retaining highly skilled employees. The last few years have been a bit of a roller coaster in hiring. To help companies recruit talent, we offer a portfolio of Employee Benefits products and services.
Coverage
- Medical
- Vision & Dental
- Pharmacy Plans
- Savings & Spending Accounts (HRA, HSA, FSA)
- Voluntary & Executive Benefits
- Keyperson Policies
- Buy-Sell Agreements
- Short & Long-Term Disability
- Individual & Group Life Insurance
- Supplemental Health Insurance Plans
- Behavioral, Health, & Wellness Programs
- Retirement Plans 401(k), 403(b), 457, SEP, SARSEP, etc.
Consulting
- Custom Plan Design
- HR Consulting & Benefits Administration
- Payroll, Talent Acquisition, Performance
- Virtual Care or Telehealth Services
- Cost Analysis and Containment
- Claims Analysis and Management
- Insights from Industry Benchmarks
- Employee Communication, Training & Education
- Retirement Planning Management
- Executive & VIP Services
- Additional Professional Servcies
We also offer onboarding consulting, ACA compliance, and COBRA administration, among other important services needed in today's business environment.
Government Contractors Products & Consulting Services
- Medical
- Vision & Dental
- Pharmacy Plans
- Savings & Spending Accounts (HRA, HSA, FSA)
- Voluntary & Executive Benefits
- Keyman Policies
- Buy-sell Agreements
- Short & Long-term Disability
- Individual & Group Life Insurance
- Supplemental Health Insurance Plans
- Behavioral, Health, & Wellness Programs
- Retirement Plans 401(k), 403(b), 457, SEP, SARSEP, etc.
- Custom Plan Design
- HR Consulting & Benefits Administration
- Payroll, Talent Acquisition, Performance
- Virtual Care or Telehealth Services
- Cost Analysis and Containment
- Claims Analysis and Management
- Insights from Industry Benchmarks
- Employee Communication, Training & Education
- Retirement Planning Management
- Executive & VIP Services
- Additional Professional Services
Global Liability Insurance:
- Foreign-Owned Locations
- Foreign-Owned Contracts
- General Products Liability
- Global Travel Coverage
- Professional Liability
- Excess Liability (Umbrella)
- Kidnap, Extortion & Ransom
- Marine, Equipment Breakdown
- Accidental Death & Dismemberment
Global Personnel Protection:
- Defense Base Act (DBA)
- Maritime and Foreign Voluntary Workers' Compensation
- Medical, Political, & Security Evacuation
Financial & Management Lines:
- Cyber Liability
- Directors & Officers (D&O)
- Employment Practice Liability (EPL)
- Fiduciary Liability (ERISA)
- Errors & Omissions (E&O)
- Business Interruption
- Crime
Property & Auto:
- Lost Business Income Coverage
- Owned or Hired/Non-owned Auto
- VIP Personal Property & Auto Insurance
- Coverage Selection & Renewal
- Claims Analytics & Management
- State & Federal Compliance Support
- Data Center/IT Assessments & Data Breach Services
- Business Continuity/Disaster Recovery Planning
- Medical or Security Evac
- Safety Program Audits
- Loss Control Technology
- Executive & VIP Services
- Additional Professional Services
GovCon FAQs
How much does DBA insurance cost?
DBA insurance is Workers’ Compensation for workers engaged in US government contracts outside the continental United States. DBA is required by primes, subcontractors, and any subordinate contractors that may be engaged on the contract in projects abroad. DBA insurance can cost $20.00 to $30.00 per $100.00 of payroll in high-risk areas.
Does my company need to insure overseas sub-contractors?
According to the Department of Labor, federal law requires all U.S. government contractors and subcontractors to secure Workers' compensation insurance for their employees working overseas.
Do our domestic policies cover our international exposures?
Domestic policies do not adequately address certain risks that contractors may face while traveling or working outside the country.
Can subcontractors negotiate insurance requirements with general contractors (GCs)?
The trend is for a GC (prime contractor) to transfer the cost of risk to subcontractors. There is an opportunity to negotiate with the prime and shift some liability back to the GC. The key is to do so early in the contract negotiations, which involves getting accurate costs from your broker to help with the negotiation.
How can we get CMCC certified?
The Department of Defense (DoD) began incorporating the requirement for Cybersecurity Maturity Model Certification (CMMC) compliance into its requests for information in September 2020. CMMC is now being phased into all DoD tenders until 2026 when all DoD vendors will be required to meet some level of CMMC compliance.
Organizations seeking certification must work with Authorized or Accredited C3PAOs (CMMC 3rd Party Assessment Organizations) listed on the CMMC-AB Marketplace website. The C3PAO and other market vendors, such as a Registered Provider Organization (RPO), will guide the organization through the certification process. Before scheduling a CMMC assessment, the CMMC-AB recommends conducting a self-assessment using the CMMC Assessment Guides.
The steps to CMMC certification at a specific level typically include:
- Determine the CMMC level your organization needs to bid on DoD contracts.
- Select a professional CMMC-AB Marketplace vendor to walk your organization through the process and conduct a pre-assessment. Typically, an RPO can assist with this. Any gaps discovered can be filled before the formal assessment process.
- Use the CMMC-AB Marketplace to find an accredited C3PAO.
- The C3PAO then guides your organization through an assessment process per the CMMC maturity level requirements that you have chosen.
- Using a Quality Auditor, the CMMC-AB reviews the C3PAO's assessment.
- You have 90 days to close any gaps discovered during the formal assessment.
- If the assessment meets the criteria for the selected CMMC level, the CMMC-AB will issue your company a CMMC certificate of compliance. This certificate is valid for three years.

DELIVERING CLIENT CONFIDENCE
Make smarter business decisions, in less time.
Delivering confidence and peace of mind for our clients by utilizing business intelligence and analytics tools to inspire the right decisions at the right time thanks to a unique integration of data, technology, and human competencies.
50+ Years of Strong Carrier Partnerships





















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What our Guests
are Saying
Since 1970, we have treated our clients as Guests worthy of the highest levels of attention and care. Our client centric consulting approach and organizational processes are carefully designed to help us understand and address their unique needs so we can Advocate on their behalf.

We have enjoyed impeccable cooperation with Sahouri for over 15 years, no one can replace their remarkable service. I strongly recommend them to all Diplomatic Missions and my friends."
Diplomatic Mission
Ambassador
Today's ever-changing environment makes it difficult to know what the "right" type and amount of coverage is. Working with Sahouri has taken the guesswork out of this equation!
Government Contractor
CEO
The rarest of insurance executives, they understand client needs and negotiate on your behalf. Highly recommend Sahouri to anyone interested in protecting all aspects of their lives.
Technology Company
Founder & CEO.jpg)
Steadfast, diligent, tenacious in securing the appropriate coverage for us. Needless to say, they are community association insurance experts! Your kindness and direction is a gold mine.
Organization of Homeowners Association
President
Their advisers take the time to understand our needs, align them with the appropriate insurance carriers, and then negotiate the most cost-effective and comprehensive insurance solutions available in the market on our behalf.
Mid-Market Business
President & CEO
I've worked with many insurance brokers over the past 35 years, Sahouri's service is exceptional, without peer. They deliver the highest quality products at a competitive price.