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Special Risk War Zone & Terrorism Insurance Programs
from certain Underwriters at Lloyds of London
Specializing in worldwide travel, health, life, disability and special risk insurance programs for global living, travel and work abroad
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Exclusive global risk brokerage & leading supplier of insurance to individual, group, government and private contractors & companies operating in Iraq (Kurdistan), Afghanistan, Syria, Ukraine and other high risk zones around the Globe 
eGlobalHealth > Special Risk Insurance > War Zone Coverage for Contractors Worldwide
Our insurance market: 
Certain underwriters at Lloyds, London (A+ rated) - over 300 years old and the only insurer serious about covering "war and terrorism" insurance perils worldwide, and other special risk insurance markets

Who we can help:
Individual or independent government  & private contractors, groups, foreign nationals, key local nationals, NGOs and many others --  Learn more

Occupations / Locations we cover: 
You name it, we can probably cover it !  
All types of security work, EOD, UXO, UXB, construction / survey workers, training programs, consultants, mine clearance, police training, journalists, military embedding sasignments, convoy truckers, Information Tech (IT), electricians, plumbers, and so much more... See list of HotSpots Worldwide we cover
Learn more...

What risks do we quote : 
Personal Accident Life Insurance Coverage - Accidental Death & Dismemberment (AD&D), Accidental Permanent Total Disability (APTD), All War Zone Risks and Terrorism Risks

In addition, we can quote Major Medical for sickness &/or Accident and Emergencies, Medical Evacuation and Repatriation programs and Kidnap & Ransom / Crisis Management and Contingency coverage.
Personal Accident Life Insurance  

Accidental Death & Dismemberment (AD&D) in war / terrorism zones 
Medical / Medical Evacuation Insurance  

Emergency Medical Evacuation / Repatriation Benefits
High Limit Personal Accident Life & Disability Insurance


World-wide AD&D (accidental death & dismemberment) Insurance with benefit amounts from $100,000 to $20,000,000 or more .  Available for 24/7 all risks.  Policy periods from a few days or weeks to one year maximum term.  Plans are extendible beyond a year.   War and terrorism IS included, anywhere in the world including war zones (no country exclusions).   

Need coverage for death due to illness / sickness ?  We can do this too. 
"Natural Causes" life coverage available only for one year term periods & may require medical underwriting.

Perfect for

USA Domestic and International  Business or Leisure Travel 

War Risks / International Independent Contract Work with Department of Defense and any other public works or military works projects; Non-Governmental Organizations (NGOs), etc.

Supplemental personal accident life, medical and disability to the DBA Work Comp plans.


Learn more about DBA and why you need supplemental coverages.  
Need DBA Work Comp ?  We can do that too !

Review Frequently Asked Questions about Accident War Risk Insurance

Accidents - the unique hazard

Sickness, with its usual warning symptoms allows some lead time to prepare for the emotional and economic consequences that follow.

Accidents strike without warning !

Medical and disability insurance often fall short of covering the costs inherent with accidental bodily injuries and inadequately compensate for the specific losses of limb, sight, speech and hearing.

The accident hazard is sufficiently unique to merit specific insurance.  

Get your quote NOW !

Click to download personal accident life insurance brochure and application
As an independent security contractor, why do I need to review supplemental accident life and disability insurance coverage ?  DBA coverage is adequate, isn't it ?

Although the US Gov't mandates that your US based contract agency provide Defense Base Act Insurance (DBA), many in the industry feel that limits of coverage are too low based on income levels vs. the level of income and risk involved.  

Established in 1941, the primary goal of the Defense Base Act was to cover workers on military bases outside the United States. The act was amended to include public works contracts with the government for the building of non-military projects such as dams, schools, harbors, and roads abroad. A further amendment added a vast array of enterprises revolving around the national security of the United States and its allies. 

Under the DBA, injured workers are eligible to receive weekly benefits for time lost from work or lost pay. Further, if the injuries are to the extremities resulting in a permanent impairment, they can be entitled to receive permanent disability benefits.

DBA is essentially the equivalent of Workers Compensation and as such can be potentially limited to only covering you while on the job along with being limited in it's total scope of coverage, depending on the amount of income produced.  Many feel they must supplement DBA to adequately be fully insured for any such catastrophic loss due to accidental death or dismemberment as weekly cap limits under DBA may not be sufficient.

What to do about the potential limitations of DBA coverage ? 

High Limit Accidental Death & Dismemberment coverage, underwritten by Lloyds of London, provides that safety net of coverage to supplement your DBA plan through your contract work.  Note that this special coverage not only covers you ON THE JOB but OFF THE JOB as well -- DBA could be potentially limited in this regard.  Additionally, certain limits of coverage under DBA for Disability could be reached without coming close to providing the full amount of monthly income you may require, which typically needs to be at 65% of income.  High Limit Accident Insurance with Accidental Permanent Total Disability as a Rider can ensure that you are fully insured for such catastrohic losses to you or your family.

Special Features of High Limit Accident Life Insurance

Benefits are payable in addition to any other plan

Benefits are payable for loss caused by exposure to the weather or in a conveyance that results in disappearance or sinking and the body is not found within 365 days of the accident.  Benefits will be paid on the presumption of death.

Benefits may be taken in a single lump sum or in equal annual installments

Covers accidental bodily injury sustained while the Certificate is in force and which results in loss within 365 days of the date of the accident

War or acts of war and / or terrorism may be covered under this plan by applying for such and paying th additional premiums


Example of premium cost for one year coverage (for SECURITY contractors)

FAQ's about coverage



We provide US and foreign national contractors with high limit accidental death, dismemberment, accidental permanent total disability, sudden cardiac arrest, War Risk/ Terrorism and Nuclear, Chemical and Biological exposure in all the major Hotspots worldwide, noted below are the listing of countries.
Click here to view up to date international travel warnings on acts of terrorism worldwide
US Secretary of State Travel Warnings Listing  Current and Up To Date
Online Travel health / medical insurance for illness, accidents or emergencies abroad, COVERING WAR & TERRORISM RISKS WORLDWIDE:

If you are reading this, you may have determined that you are not eligible for the Defense Base Act coverage provided by the US Gov't OR you wish to supplement emergency medical evacuation.  Did you know that the US Military will transport / evacuate you, BUT they will send you the bill as well !  Additionally, DBA medical coverage is known to be very slow to respond in paying claims. These are just a few reasons to make sure you have War / Terrorism risk emergency medical evacuation / repatriation insurance.
Current Travel Warnings

Afghanistan , IraqSyriaUkraine
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AFGHANISTAN, ALGERIA, ANGOLA, AZERBAIJAN, BURUNDI, CENTRAL AFRICAN REPUBLIC, CHAD, COLOMBIA, CONGO REPUBLIC, COTE D'IVOIRE (IVORY COAST), DEMOCRATIC REPUBLIC OF CONGO, EGYPT, ERITREA, ETHIOPIA, GEORGIA (FORMER USSR), GUATEMALA, GUINEA, HAITI, INDONESIA, IRAN, IRAQ (incl. KURDISTAN), ISRAEL, WEST BANK (ISRAEL), GAZA STRIP (ISRAEL), JAMMU (INDIA), JORDAN, KASHMIR (INDIA), KENYA, KOSOVO, KUWAIT, KRYGISTAN, LEBANON, LIBERIA, LIBYA, MADAGASCAR, MALAYSIA, MOROCCO, NEPAL, NIGERIA, PAKISTAN, PHILIPPINES, QATAR, RUSSIA, RUSSIA -CHECHNYA, RWANDA, SAUDI ARABIA, SENEGAL, SIERRA LEONE, SOMALIA, SRI LANKA-NORTH & EASTERN PROVINCES, SUDAN, SYRIA, TAJIKISTAN, THAILAND, TOGO, TURKEY, UKRAINE, UGANDA, UZBEKISTAN, VENEZUELA, YEMEN, ZIMBABWE 
Kidnap & Ransom

K&R benefits worldwide and in war zones including for extortion and crisis management risks
Defense Base Act

DBA Workers Compensation benefits worldwide & foreign liability insurance benefits