Specialist insurance for organisations operating in high-risk environments, including high-risk travel, specialist equipment and crisis management solutions for humanitarian organisations, NGOs and contractors.
Specialist insurance for organisations operating in high-risk environments, including high-risk travel, specialist equipment and crisis management solutions for humanitarian organisations, NGOs and contractors.
Specialist Risk Group designs bespoke insurance programmes for organisations operating in complex environments where security, political instability and operational challenges demand specialist expertise. Our access to Lloyd's of London and leading international insurers enables us to arrange comprehensive protection that reflects the realities of working in higher-risk territories.
Many organisations rely on specialist machinery, communications equipment, vehicles, temporary accommodation and other operational assets. We arrange bespoke protection, including cover for war and political violence where appropriate.
Exposure to civil unrest, terrorism, armed conflict, sanctions, confiscation, expropriation, nationalisation and sudden political change affecting personnel, assets, funding and operational continuity.
Employees, contractors and volunteers may be exposed to injury, illness, medical emergencies, kidnap, wrongful detention or emergency evacuation while working in higher-risk territories. Specialist high-risk travel insurance and access to Kidnap & Ransom insurance can form an important part of a wider risk management programme.
Vehicles, communications equipment, specialist machinery, temporary accommodation and project infrastructure are often deployed in demanding environments where the risk of theft, accidental damage or loss is significantly increased.
Moving aid supplies, operational equipment and specialist assets across international borders and through insecure supply chains creates additional exposure to theft, damage, delay and disruption.
Political instability, security incidents and operational disruption can affect an organisation's ability to deliver services, fulfil contractual commitments and meet donor requirements.
Organisations operating internationally must navigate changing sanctions, regulatory requirements and stakeholder expectations while managing incidents that could affect reputation and future funding.
We arrange insurance programmes for organisations operating in challenging environments, including:
Our approach is tailored to each business we work with. Typical covers we look at for hospitality businesses include:
Cover for guest injury, illness, or third-party property damage.
Cover for employee injury or illness arising from their work.
Cover available for organisations that search for UXO, use firearms and conduct training and consultancy activities in high risk environments.
Cover against confiscation, expropriation, nationalisation, or political interference.
Protection for equipment, aid supplies, and materials in transit to and within high-risk locations.
Protection for individuals with managerial, supervisory and decision-making responsibilities to operate to cover them personally in the event of allegations being made of that they have committed wrongful acts whilst performing their roles.
Protection for individuals responsible for the oversight and management of not-for-profit organisations to cover them personally in the event of allegations being made of that they have committed wrongful acts whilst performing their roles.
Insurance requirements vary depending on your activities and operating locations. Many organisations require a combination of high-risk travel insurance, liability insurance, political risk cover, marine and transit insurance, protection for specialist equipment and, where appropriate, access to Kidnap & Ransom insurance.
Not every organisation requires Kidnap & Ransom insurance, but where personnel are travelling or working in higher-risk territories it should be considered as part of a wider risk management strategy. In addition to financial protection, policies provide immediate access to specialist crisis response consultants should an incident occur.
Yes. We regularly arrange protection for specialist machinery, communications equipment, vehicles, temporary accommodation and other operational assets deployed internationally, including cover enhancements for war and political violence where appropriate.
Political Risk insurance can help protect organisations against certain government actions and political events affecting overseas operations, while wider insurance programmes can be structured to reflect the operational risks associated with challenging environments.
Yes. Every insurance programme is designed around your organisation's activities, territories, personnel, equipment and operational exposures, ensuring protection reflects the way you work rather than relying on a standard package.
Yes. We can arrange specialist high-risk travel insurance for employees, contractors and volunteers travelling or working in higher-risk territories. Cover can include medical expenses, personal accident, emergency evacuation and other specialist extensions depending on your organisation's requirements.
Yes. Changes in location, security conditions, project scope, or personnel often mean cover should be reviewed to ensure it remains appropriate.