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Our Services for Expatriates worldwide

Our Services

Since 2003 we have covered our clients operating in hostile areas using Lloyds of London and AIG; contact us to get a free quote with no obligation.

We are able to provide a tailored, personal service. We specialise in insurance for high-risk occupations, companies operating in high-risk regions and complex or non-standard cover. Please look at the range of covers we can provide our clients.

We are experts in advising our individual / corporate clients over a wide range of services which include:

Personal Accident Insurance

Added to this, the complication of the accident occurring abroad and in difficult locations, and it is easy to see the essential nature of adequate cover for employees to ensure they receive the best of care in order to maximise the potential for recovery but also to ease the associated financial strain that would accompany loss of income (either temporary or permanent).

Personal Accident Insurance policies can be provided for groups or individuals and are flexible to meet the changing employment needs of companies and organisations.

Our Personal Accident policies cover against acts of War and Terrorism as standard.

Cover can include:

  • Accidental Death
  • Accidental death or Injury (including loss of sight, dismemberment)
  • Accident resulting in Permanent total disability (preventing future gainful employment)
  • Medical expenses incurred following and accident
  • Evacuation and repatriation
  • War and Terrorism

To receive a quote for this coverage, please click on the appropriate application below. For assistance completing the application or for additional information on our programs, please contact one of our insurance professionals at

Health and Medical Insurance

Our experience of working in hostile and high risk locations is vast. We have been providing health and medical insurance since 2002.We understand how important it is for employers to ensure that they have the right cover their local and expatriate employees.

We have developed a range of cost effective health and medical insurance schemes that have been specifically designed to provide the essential elements of hospital care and treatment in challenging areas.

We can provide hospital in-patient and out-patient cover, plus emergency medical evacuation if deemed required.

Key features:

  • Annual benefit of USD2 million
  • Available to all nationalities
  • Choice of excess and co-payment options
  • Cover for pre-existing conditions available*
  • Direct settlement facility
  • Medical evacuation and repatriation cover included

* Subject to policy conditions

Kidnap and Ransom Insurance

Many of the regions around the world that offer rich rewards are also associated with disturbing and dangerous risks.

It is estimated that there are anywhere between 12,500 and 25,000 kidnappings per year worldwide./  Some sources say that this figure has risen by 100% over the last 6 years.

Kidnappings are usually carried out to obtain a ransom. Few victims are rescued or released without ransoms being paid.

Kidnappings can occur in any region of the world but ‘hot spots’ include:

  • Warzones (Iraq, Afghanistan, Pakistan, Yemen)
  • Sub-Saharan Africa
  • Areas suffering from political or social unrest.

Standard Precautions should include:

  • Conducting risk assessment prior to travel
  • Keeping up to date with Foreign Office advice
  • Registering with relevant Embassies overseas
  • Reviewing necessary safety precautions specific to the environment
  • Limiting the publication / knowledge of your travel plans

Ensure  you have specialist Kidnap and Ransom Insurance

We provide specialist, bespoke Kidnap and Ransom Insurance to provide protection against the unique risks posed by different regions of the world.

Cover includes:

  • Crisis Management fees
  • Legal liability
  • Kidnap / hijack
  • Payment of ransom following abduction or any related threat
  • Injury or death

DBA Workers Compensation for High Risk Areas of the world

DBA provides workers’ compensation protection to civilian employees working outside the United States on US military bases or under a contract with the US government for public works or for national defense.

The Defense Base Act covers the following employment activities:

  • Work for private employers on U.S. military bases or on any lands used by the U.S. for military purposes outside of the United States, including those in U.S. Territories and possessions
  • Work on public work contracts with any U.S. government agency, including construction and service contracts in connection with national defense or with war activities outside the United States
  • Work on contracts approved and funded by the U.S. under the Foreign Assistance Act, which among other things provides for cash sale of military equipment, materials, and services to its allies, if the contract is performed outside of the United States

Many overseas federal contractors are covered by the DBA, which mandates that they provide workers’ compensation insurance for their employees.  As the US military increased operations in Iraq and Afghanistan, the size of the DBA programme has grown.  Since September 2001, there have been approximately 50,000 DBA cases with a significant number of these cases involving the deaths of contractors in Iraq and Afghanistan. In 2008 , nearly $200 million in cash and medical benefits were paid to DBA claimants.

Some countries are eligible for waivers by the Department of  Labour.

Please contact us for more information or for a quote.

World Auto - Commercial Auto

Bespoke coverage is our specialism for protection against physical damage, loss of assets and liability when relying on land vehicles (owned and non-owned/hired ) for your company’s operations abroad, particularly in high risk regions. Worldwide coverage is available to include loss through acts of war and terrorism.

Cover also includes:

  • Worldwide bespoke cover
  • Cover against acts of War and Terrorism
  • Protection against loss/ damage of cargo  whilst in transit
  • Includes  protection against losses caused by collision or theft
  • Covers losses due to acts of piracy
  • Covers liability ( including  injury or death and  damage to property)

Transit and Cargo Insurance (including risks from War and Terrorism)

The probability of sustaining a loss on cargo is greater than you may  think. Transit and Cargo insurance is a reliable way to protect goods while in transit, whether  by land (land vehicle convoys, or rail), aircraft or  by sea.

Transit and Cargo Insurance  provides specialist cover to protect  goods and other assets while they are being transported between locations and vitally, includes protections against acts of war and terrorism.

For additional information on Iraq or Afgahanistan Reconstruction Insurance, please contact one of our insurance professionals at

Property and Liability Insurance

We are able to provide bespoke cover and very competitive rates on all types of liability insurance cover.

Examples of Insurance policies we can provide:

  • Commercial Property
  • Equipment malfunction cover
  • General corporate liability
  • Employment Practice liability
  • Loss of company income protection
  • Computer and Data cover
  • Medical liability cover
  • Workers compensation cover.

Directors & Officers Insurance

In Iraq, Afghanistan and other high risk areas

In recent years, much of the responsibility for lawsuits arising from decisions made within an organisation has shifted to the individual. For this reason, it is critical as an employer to understand the risks associated with the decisions your employees, board members and officers make on behalf of your organisation.

Our directors and Officers Liability insurance is designed specifically to provide your directors and board members with protection against personal liability claims that could be brought against them as a result of their work.

Examples of areas  of risk could include:

  • Accusations of conflicts of interest
  • Accusations of fraud or non-compliance pertaining to anti-money laundering regulation
  • Unauthorised payments
  • Errors in decision making
  • Corporate negligence
  • Unwise investment decisions
  • Failure to meet  compliance requirements of  different worldwide jurisdictions

In addition, this policy can be used as a recruitment tool, as many executives will not serve on a board without a directors and Officers policy in place.

We can develop a policy based on your exacting requirements.

Medical Evacuation Insurance

Emergency Evacuation is an important consideration when working in remote and challenging locations anywhere in the world. Warzone cover works with Specialty group a leading third party assistance company dedicated to handling cases from high risk locations.

Using advanced technology, Specialty group’s multilingual evacuation coordinators provide a rapid and streamlined response to a crisis situation anywhere in the world. Crucially, Specialty Group has Delegated Authority so it can manage claims and evacuations immediately.

Our medical evacuation cover includes emergency medical treatment and evacuation and repatriation to the policy holder’s home country, with up to three months of follow-on home cover. Specialty Group coordinates all air and ground arrangements, medical care and international travel.

War and Terrorism Insurance

War and Terrorism insurance is essential for companies, contractors and professionals working in hostile and high risk locations such as Iraq and Afghanistan, especially in relation to construction, property and energy risks, the transportation of cargo and the insurance of personnel.

Our ‘A’ rated War and Terrorism cover can attaches to many of the specialist solutions we offer. This area of insurance a complex field and it’s crucial to get the right cover to suit your needs.

Warzone cover works in some of the most challenging and unstable countries in the world helping corporate and nongovernmental organisations protect their people, projects and assets with cost effective insurance solutions that reflect the testing environment in which they operate in.

Our comprehensive war and terrorism insurance can cover:

  • Sabotage
  • Hijack
  • Strike, Riot or Civil Commotion
  • Malicious Damage
  • Passive War on Personal

Anti Piracy insurance

International liability insurance is a speciality of Warzone Cover; all our policies are BIMCO GUARDCON compliant.

We can organise competitive international liability insurance across a broad scope of requirements:

  • Vessels operating in hostile regions like the Gulf of Aden for example
  • Cover for personnel and goods in war zones and conflict regions i.e. Personal Accident insurance
  • Kidnap & Ransom insurance for crew on board vessels
  • Professional indemnity, public liability and employers liability, anywhere in the world
  • Firearm extensions to cover security personnel when required
  • Refuelling liabilities for additional expense or delays in underdeveloped and unstable region
  • Potential environmental or pollution claims against primary industries and transportation companies
  • Any other personal, professional or possession-based global liability insurance

All fully GUARDCON compliant. Contact us to find out more and get a quote

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