What insurance do you need for working in high-risk destinations?


Business travel might not be on the cards for many companies at the moment, but Global High-Risk Destinations and International Insurance remains a popular and relevant service at SJL.

For example, if your business has no choice but to work in, travel through or navigate high risk areas overseas, Global High Risk and International Insurance is not something you want to overlook.

What are the high-risk destinations?

Countries often considered high-risk for travel include:

  • Nigeria
  • Somalia
  • Mali
  • Afghanistan
  • Libya
  • Iraq
  • Algeria
  • South Sudan
  • Kenya
  • Yemen

Not sure if where you are travelling is considered high-risk? Check the current official guidance from FCO here.

What are the risks?

There are a number of different risks involved in working and travelling overseas, and these can differ massively depending on where, when and how you’ll be travelling and working.

It is therefore important to ensure that the insurance cover you have is best suited for your individual circumstances. For example, if you’re a media reporter travelling to Afghanistan for work, you’re going to need cover that is slightly different to someone working on a merchant vessel crossing the Gulf of Guinea.

Depending on where you’re travelling, some of the most common risks involved in travelling and working overseas in high-risk destinations are:

  • Kidnap and Ransom
  • Theft and burglary
  • Extortion
  • Weather and climate
  • Terrorism
  • Piracy
  • Hijack
  • Harassment
  • Personal Accident

Which businesses need Global High Risk Insurance?

If you have a business or work for a business in the following fields, Global High Risk Insurance is highly recommended for you:

  • Relief workers and humanitarian aid
  • Journalism and reporting
  • Media and cameramen
  • Religious workers and those working as part of charitable programmes
  • Oil workers and rigs
  • Shipping
  • Armed and unarmed security

Spotlight on Nigeria : Did you know?

Nigeria is a popular destination for businesses and business travel with a booming gas and oil industry. This is one of the reasons it has the highest rate of kidnaps for ransom in the whole of Africa.

The specialist Global High Risk Insurance Team at SJL Insurance Services work with a number of businesses and individuals to provide the cover they need to protect them when working in Nigeria.

To find out more about travel to Nigeria and insurance that can protect you or contact our team today.

Making sure you’re protected

Having the correct insurance can support and protect you, your business and your employees in highly fraught situations. If you operate in these areas, Global High Risk Insurance is a must.

To find out more, visit Global High Risk Insurance. Alternatively, contact us directly and our specialist team will discuss exactly what you need to cover your business, yourself and your employees effectively.