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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).
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.
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
CENTRAL AFRICAN REP.
DEM. REPUBLIC OF CONGO
GEORGIA (FORMER USSR)
WEST BANK (ISRAEL)
GAZA STRIP (ISRAEL)
SRI LANKA-NORTH & EASTERN PROVS.
US Secretary of State Travel Warnings Listing Current and Up To Date
Request a Quote
We can respond to this form submission within about 24 hours or less.
By completing all fields below this will best assist us in placing an accurate quote for you.
First & Last Name
Retype eMail Contact for accuracy check:
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Date of Birth (dd/mm/yyyy)
Country in which you reside ?
Countries you are visiting and need coverage ?
What type of coverage do you require ?
Do you have a US or Canadian address?
If so, what state or province ?
Occupation while abroad ?
Estimate of annual income per year ?
(we can only provide up to 10x annual income for life insurance needs under our AD&D policies)
Contractor name, if any?
Is this a US based contractor ?
Length of assignment ?
Amount of coverage / benefit requested?
Additional information you want us to know about regarding your coverage needs or travel assignment. The more details the better we can accurately quote your case.