Products & Solutions
INSURING YOUR PEOPLE
People are your biggest asset and we have a range of policies to ensure that they are well-protected, whatever the environment. A selection of more common policies that you may be contractually required to hold are listed below.
Personal Accident Insurance
If you are working in a high-risk or hostile environment, you need to know that you and your staff are insured against the worst-case scenario.
Any accident or associated injury inflicts great stress and anxiety on the victim and their loved ones. If you find yourself in this situation on the other side of the world, you need to have the right cover in place that can take the stress of organising medical treatment and potential evacuation and repatriation out of your hands, so you can concentrate on your staff and the business.
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.
Key features of cover:
- Accidental Death or Injury (including loss of sight, dismemberment)
- Accidental death Accident resulting in Permanent total disability (preventing future gainful employment)
- Medical expenses incurred following an accident or illness
- Evacuation and repatriation cover
- War and Terrorism coverage for companies working in conflict zones and high risk countries
To discuss Personal Accident Insurance for you or your company please contact us at info@andersonlloydintl.com
Medical Evacuation & Repatriation
If you are working in a high-risk or hostile environment, you need to know that you and your staff are insured against the worst-case scenario.
Any accident or associated injury inflicts great stress and anxiety on the victim and their loved ones. If you find yourself in this situation on the other side of the world, you need to have the right cover in place that can take the stress of organising medical treatment and potential evacuation and repatriation out of your hands, so you can concentrate on your staff and the business.
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.
Key features of cover:
- Accidental Death or Injury (including loss of sight, dismemberment)
- Accidental death Accident resulting in Permanent total disability (preventing future gainful employment)
- Medical expenses incurred following an accident or illness
- Evacuation and repatriation cover
- War and Terrorism coverage for companies working in conflict zones and high risk countries
To discuss Personal Accident Insurance for you or your company please contact us at info@andersonlloydintl.com
Defense Base Act insurance
We can help arrange for you quick, accurate and cost effective quotes for Defense Base Act cover and have been helping companies like yours since 2003.
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. American law requires all employers to secure Defense Base Act (DBA) workers’ compensation insurance for American military or public works outside of the States and provides cover for injury incurred by an employee arising out of the course of employment.
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 required to be covered by DBA, which mandates that they provide workers’ compensation insurance for their employees. As the US military increased operations in Afghanistan and Iraq the Defense Base Act programme has grown massively.
To discuss Defense Base Act Insurance for your company please contact us at info@andersonlloydintl.com
Kidnap & Ransom Insurance
Many of the regions around the world that offer rich rewards are also associated with disturbing and dangerous risks.
Kidnap insurance has become a “must have” for employers operating in high-risk locations all over the world and the kidnappers are becoming more organised and more sophisticated year on year. Few victims are rescued or released without ransoms being paid.
We can help you obtain specialist, bespoke, Kidnap & Ransom cover which includes the services of professional negotiators and security consultants who know the area where your staff will be operating as well as insurers covering the ransom should an event occur.
Kidnappings can occur in any region of the world but some ‘hot spots’ include:
- Warzones (Iraq, Afghanistan, Pakistan, Yemen)
- Sub-Saharan Africa
- South America
- Areas suffering from political or social unrest.
Standard precautions you should make 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
Cover can include:
- Crisis Management fees
- Legal liability
- Kidnap / hijack
- Payment of ransom following abduction or any related threat
- Injury or death
For more information on Kidnap & Ransom cover please contact us at info@andersonlloydintl.com
War & Terrorism Insurance
War and terrorism insurance is essential for companies, contractors and professionals working in high risk locations.
We can help you ensure that you obtain ‘A’ rated War and Terrorism cover. This can be attached to many of the specialist solutions we can help you arrange. 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.
Comprehensive War & Terrorism insurance can cover:
- Sabotage
- Hijack
- Strike, Riot or Civil Commotion
- Malicious Damage
To discuss War & Terrorism Insurance for your company please contact us at info@andersonlloydintl.com
Global Medical Insurance
Our experience of working in hostile and high risk locations is vast; arranging global medical insurance since 2002.
We have been helping our clients arrange global medical insurance since 2002. We understand how important it is for employers to ensure that they have the right cover for their local and expatriate employees.
- We can help you arrange 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. Policies can also provide hospital in-patient and out-patient cover, plus emergency medical evacuation and repatriation if deemed required.
Key features:
- Annual benefit of up to $10 million per annum
- 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 can be included
* Subject to policy conditions
To discuss Global Medical Insurance for your company please contact us at info@andersonlloydintl.com
Group Life Insurance
We can help arrange for you quick, accurate and cost effective quotes for Defense Base Act cover and have been helping companies like yours since 2003.
If you are operating in a hostile or challenging environment your staff still need to be covered from death by natural causes.
Your life assurance company back home may not pay out if you were to die of a natural cause outside whilst working outside of that country.
We can help you arrange large group schemes or stand alone life cover for individuals.
Levels of cover can be tailored to ensure that your staff can cover their liabilities back home should the worst occur.
Get in touch to see how we can help you with any Life Insurance enquiry for you or your company info@andersonlloydintl.com
INSURING YOUR LIABILITIES
When working in high-risk environments, you’ll need to make sure all your liabilities are covered whatever the situation.
Comprehensive General Liability (CGL) Insurance
CGL can encompass a range of cover for third parties which could be standard or may also require extensions such as food poisoning, pollution and environmental damage.
CGL is generally required to be held to be contractually compliant and we are the best at helping companies operating in hostile environments and war zones to arrange the right level of cover at the best price.
CGL can be obtained on a contract specific basis or as a master policy covering all your companies contracts in hostile areas such as Afghanistan or Iraq. We use Lloyds of London Brokers for this cover as well as our friends AIG in Kuwait.
To discuss Comprehensive General Liability Insurance for your company please contact us at info@andersonlloydintl.com
Workers Compensation Insurance
If you are operating contracts or bidding on them in challenging environments around the world then you will know that Workers Compensation is generally required to be held in order to be contract compliant as well as satisfying the legal requirements of the country you are operating in. Limits required vary wildly and we are able to help you arrange the cover you need with the limits you need at the best prices in the market.
Workers Compensation can help you to protect your workers and their families back home if they are injured, disabled or killed whilst carrying out their job role anywhere in the world. This in turn will protect your company and save potentially large expenses if this cover is not held.
To discuss Workers Compensation Insurance for your company please contact us at info@andersonlloydintl.com
Employers Liability Insurance
As an employer operating in a challenging and hostile environment your exposure to an employer’s liability claim from one of your employees could be more likely than if you were working out of your home country.
Employers liability is generally required to be held if you are doing business in Iraq, Afghanistan or any other are where you are bidding on contracts.
Employers Liability protects your firm from negligence claims should one of your employees have an accident, are involved in an act of war or terrorism, suffer an illness or an accident or indeed die as a result of their work.
Employers Liability limits vary wildly and with our contacts we can ensure that we can arrange the limits you need to hold to be contractually compliant at the best prices around.
Employers Liability can be packaged with Workers Compensation Insurance and is a cost effective way of protecting your company.
To discuss employers liability Insurance for your company please contact us at info@warzonecover.com
Maritime Security Insurance
We can assist Private Maritime Security Companies (PMSC’s) arrange the cover that they are legally required to hold in order to win contracts and remain contract compliant.
We can assist Private Maritime Security Companies (PMSCs) arrange the cover that they are legally required to hold in order to win contracts and remain contract compliant.
The level of threat off the coast of Somalia may have reduced somewhat from the peak in 2008 but the threat is still there and hijacks occurred as recently as 2017.
PMSCs still operate off the coast of East Africa as well as off the West coast of Africa.
If you are operating in this sector then we can assist you in relation to organising Maritime Security insurance to ensure that you are compliant.
We can help you 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
- Firearm extensions to cover security personnel when required
- Refuelling liabilities for additional expense or delays in underdeveloped and unstable regions
- Potential environmental or pollution claims against primary industries and transportation companies
- Any other personal, professional or possession-based global liability insurance
To discuss Maritime Security Insurance for your company please contact us at info@andersonlloydintl.com
Directors & Officers Insurance
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.
We are able to help your firm arrange Directors & Officers Liability Insurance which 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.
Whilst operating in high risk areas such as Afghanistan or Iraq your key players need protecting as their decision making needs to have the backing of your company by putting this cover in place.
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 help you develop a policy based on your exacting requirements.
To discuss directors and officers insurance for your company please contact us at info@andersonlloydintl.com
INSURING YOUR PROPERTY
We have a good range of knowledge and polices when it comes to protecting your property in hazardous environments.
Goods in Transit / Cargo Insurance
Transit and Cargo insurance is an effective way to protect goods while in transit, whether by land (land vehicle convoys, or rail), aircraft or by sea all the way to their final destination.
Transit and Cargo Insurance provides specialist cover to protect goods and other assets while they are being transported between locations and vitally, includes protection against acts of war and terrorism.
We can help arrange Cargo Insurance for you at realistic prices, ensuring that your goods are protected whilst in transit all the way to their destination whether that be Iraq, Afghanistan, Africa or any other challenging location.
To discuss Cargo Insurance for your company please contact us at info@andersonlloydintl.com
International Motor Fleet Insurance
We help our clients arrange bespoke coverage for all vehicles (owned or hired) in their fleet including Soft Skinned and Armoured vehicles from the largest trucks to a fleet of SUVs.
Protection can include cover against physical damage, loss of assets and excess liability (third party) cover; for your companies vehicles whilst operating abroad, particularly in high risk regions. Worldwide coverage is available to include loss through acts of war and terrorism.
Cover can include:
- 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)
To discuss Auto Liability Insurance for your company please contact us at info@andersonlloydintl.com