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Special Risk War Zone & Terrorism Insurance Programs
from certain Underwriters at Lloyds of London and other carriers
Specializing in worldwide travel, health, life, disability and special risk insurance programs for global living, travel and work abroad
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All insurance programs herein are fully backed and insured by certain underwriters at Lloyds, London or other special risk insurers ( A+ rated insurers).  

Enter our secure quoting system to get ONLINE quotes and bind coverage immediately


High Limit Personal Accident Life Insurance (AD&D) 


War Zone Health Insurance / Emergency Medical Evacuation / Repatriation 


Kidnap & Ransom, Crisis Response Contingency Plans



"I prefer to submit my information via form submission below"

All Quotes will include coverage for Acts of War / Terrorism for HotSpots








To whom is this coverage available ?

Just about anyone ranging from independent worldwide contractors / subcontractors to embedded journalists, information technology (IT) consultants to truck drivers and security contractors (aka private military companies or PMCs)... and so much more.  

The only limitation is that you are NOT engaged in active war (ie; active military fighting a war).  Private security contractors are neither, despite the controversy of security contractors in the occupation of Iraq starting in 2003.  Such involvement, especially by security contractors is considered to be that of "passive war" and as such, are not actively fighting the war on terrorism, rather are being re-active or passively participating in the war on terrorism.  PMCs are a protection force, NOT a war or mercenary force actively fighting in a war.... that is the job of the US active military folks.  

Simply stated: "If your job title involves you to go looking for the fight rather than being passively engaged in the fight", Lloyds cannot insure you.  PMCs often ask, "Well, we do take fire at times in our line of work when providing logistics and security to diplomats or other clients!"  We say, "Defend yourself !", of course.  By definition you are engaged in a "passive war" effort in that scenario.  We can insure you.

What is policy pricing based upon & what about DBA being provided to me?

Life insurance is quoted based on primarily country location(s), occupational duties, length of time needed and amount of coverage requested.  For medical insurance policies, they are based more heavily upon the age of the individual (going up in price the older one is), occupation, location(s) and amount of coverage requested.  Our accident life policies don't base rates on age unless you are over age 65.  

Both the accident life and medical / evacuation insurance plans will automatically be quoted with acts of war and terrorism rider coverage for any of the listed hot spot counties noted in our side bar to the right.

The annual premium costs can be wide ranging depending on whether the occupation is "hazardous" or "non-hazardous".  As many contracting agencies typically leave it up to the individual to pay for the premium for optional life insurance on their own, our underwriter is willing to offer options for monthly, quarterly and semi-annual modes of payment if it is a one year term policy.   Contact us by email if any questions or use our Life / AD&D quoting tool AND Medical / Medical Evacuation/ Repatriation quoting tool for the fastest ONLINE service.  Be sure to review our Contractor Insurance FAQ section as well.

Although you may have DBA Workers Compensation coverage from your contractor agency (because the US Labor Department made it a law to require it back in 1941), additional coverage may be necessary due to serious potential gaps in coverage and lower limits of coverage under DBA . Note that you may be exposed when OFF the JOB under DBA or just simply underinsured, even on the job !  




HOT SPOTS WORLDWIDE

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

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
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(we can only provide up to 10x annual income for life insurance needs under our AD&D policies)

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