International travel and liability protection for US exporters, businesses, and organizations. Quoted and bound in under five minutes. Meridiano gives brokers a faster, simpler way to protect clients against foreign liability exposures and helps safeguard employees when traveling abroad, combining digital-first underwriting with specialist cover and expert global support.
Protecting
Business
Beyond Borders.
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International trip-travel and exporter risks shouldn't be complicated to place.
Meridiano's Foreign Package Policy brings essential international coverages together in one solution, with a digital-first process designed to remove unnecessary friction for brokers.
Built for Brokers
Simpler to place. Faster to bind.
Under five minutes to quote and bind
A streamlined digital experience gives appointed brokers the ability to quote and bind eligible risks in under five minutes. We minimize your keystrokes to make this possible.
Relevant questions. Nothing more.
Our tailored digital submission process asks the questions relevant to the individual risk, reducing unnecessary information gathering and sharing.
Broad and clear appetite
Designed for 900+ eligible classes of business, with coverage available across 200+ countries and territories.
Expert support
Technology makes the process faster. Experienced underwriters are there when specialist expertise and human judgement are needed.
International travel and liability protection for US exporters, businesses, and organizations. Quoted and bound in under five minutes.
Meridiano gives brokers a faster, simpler way to protect clients against foreign liability exposures and helps safeguard employees when traveling abroad, combining digital-first underwriting with specialist cover and expert global support.
Coverages
Protection built for business on the move.
One package brings together essential coverages for US businesses engaging in international commerce and travel.
Commercial General Liability
Limits up to $2M per occurrence.
Contingent Auto Liability
Limits up to $2M per occurrence, with Rented Auto physical damage coverage up to $100K.
Foreign Voluntary Compensation
Employer's Liability limits up to $2M.
Travel Accident & Sickness
AD&D limits up to $500K and Medical Expense limits up to $250K, with no deductible on Accident & Sickness coverage.
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Plus, Emergency Medical Evacuation available up to $250K.
Kidnap, Ransom, & Extortion
Limits up to $1M.
Global Support.
One call.
Global Support.
The right coverage matters. Knowing where to turn when support is needed abroad matters just as much.
That's why Meridiano works with Healix, a global medical, travel, and security assistance specialist with more than 30 years of experience.
Available 24/7, Healix gives Meridiano clients one point of contact to access expert assistance when their people are unwell, unsafe, or uncertain.
Support includes:
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Medical, travel, and security assistance
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Emergency medical and security evacuation
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Crisis and security response
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Travel disruption support
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Destination intelligence and travel alerts
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Kidnap and security assistance
Support in the palm of your hand.
Meridiano clients also have access to Healix's Travel Oracle app, giving travelers information and support before and during a trip.
From a mobile device, travelers can access destination and travel risk information, receive breaking news and alerts, securely store important travel documents, and request emergency assistance when they need it.
The Meridiano Difference
Modern technology.
Specialist expertise.
Human when it matters.
Meridiano was created to make international business travel protection work better for brokers and their clients.
Purpose-built for small and medium-sized US businesses, we combine a streamlined digital experience with specialist underwriting expertise and global assistance.
Meridiano was founded by experienced insurance professionals who saw an opportunity to make foreign package protection work better for brokers and their clients.
Led by Hennie Terblanche and Alan Emig, the team brings deep experience across international insurance and specialty risk – combining established underwriting expertise with a more modern, efficient way to do business.
About Meridiano
Experience behind the technology.
Hennie Terblanche
Founder & CEO
Hennie brings more than two decades of global insurance leadership experience spanning underwriting, product strategy, distribution, and executive management. He has built his career helping organizations navigate complex risks, developing innovative insurance solutions, and building high-performing teams that deliver sustainable growth. Hennie began his career as a commercial lines producer and later owned an independent agency in South Africa before building an extensive US-based career in multinational property and casualty insurance. Today, he is focused on creating a modern underwriting organization that combines deep technical expertise with an entrepreneurial mindset. His leadership philosophy is simple: stay curious and work hard. These principles guide Meridiano’s commitment to building strong teams, partnering with world-class organizations, and creating long-term value for clients and stakeholders. Hennie remains passionate about insurance as a business centered on solving problems, building resilience, creating opportunity, and protecting what matters most: people.
Alan Emig
Co-Founder & CUO
Alan brings more than two decades of multinational insurance experience spanning underwriting, product development, distribution strategy, portfolio management, and international program design. His career has focused on creating effective insurance solutions that help businesses manage international risks while giving brokers products that are clear, responsive, and easy to place. Alan’s experience includes developing underwriting guidelines, crafting policy forms, leading and training underwriting teams, and managing diverse multinational product portfolios across small business, middle market, national accounts, and specialized risks. He is committed to building modern foreign package products that combine broad protection, meaningful coverage, and an exceptional service experience. Alan believes the best insurance products balance technical excellence with simplicity while meeting clients’ needs. His approach combines practical underwriting expertise, thoughtful product design, and a focus on helping brokers confidently navigate comprehensive international insurance solutions for their clients.
Making protection easier to place, faster to bind, and simpler to manage.
01.
Digital from
the start
A modern digital experience removes paperwork and unnecessary steps from quote to bind.
02.
Speed that keeps business moving
Eligible risks can be quoted and bound in under five minutes.
03.
Specialist
expertise
Experienced underwriters understand the international exposures businesses face when their people travel abroad.
04.
Human when it matters
From underwriting to an incident overseas, expert people are there when clients need them.
Expert partners. Seamless support.
Expertise across the insurance journey.
Meridiano brings together established global partners to provide specialist support from underwriting and risk capital to assistance and claims.
DWF
Independent global claims management and adjusting expertise, combining commercial insurance, legal, and claims experience across the claims lifecycle.
Healix
Global medical, travel, and security assistance, providing proactive risk management and 24/7 emergency response.
Accelerant Risk Exchange
Connecting specialty underwriting expertise with long-term risk capital.
