Specialist Insurance. Powered by Technology. Grounded in Real-World Risk.
Hotspot Cover is a specialist InsurTech providing tailored insurance solutions for organisations and professionals operating in complex, high-risk, and hard-to-insure environments.
We combine deep underwriting expertise, on-the-ground risk intelligence, and purpose-built insurance technology to deliver faster decisions, smarter risk assessment, and meaningful operational support — wherever our clients operate.
Global Coverage
Including War Zones
A Rated Reinsurers
Lloyd's of London
Award Winning
International Travel Insurance
Expert Response Partners
Global security & assistance
Who We Protect
Insurance for Those Who Operate Where Others Don't
Hotspot Cover provides specialist travel and risk insurance solutions for organisations working in complex environments — from conflict zones to post-disaster regions.
Our clients include some of the world's largest NGOs, media networks, and specialist contractors. Each policy is built around your operational profile, ensuring coverage that responds to your real risks, not generic exclusions.
Humanitarian & NGOs
Protecting aid workers and relief organisations operating in crisis zones.
Media & Press
Coverage for journalists, camera crews, and broadcast teams worldwide.
Corporate
Risk solutions for businesses operating in challenging environments.
Security & Risk Management
Specialist cover for security firms and risk management consultancies.
Academic & Research
Specialist policies for research expeditions and field studies.
Individual Professionals
Personal cover for consultants and contractors in high-risk locations.
Trusted by the world's frontline organisations
From media networks to humanitarian agencies
Trusted by the world's frontline organisations
How We Work
Tailored Protection, Backed by Expertise
We work closely with your organisation to create insurance solutions that match your operational reality.
Consultation & Risk Assessment
Our underwriting team analyses your operations, locations, and risk profile to understand your unique requirements.
Custom Policy Design
We design bespoke cover — whether annual group, mission-specific, or per-trip — tailored to your operational needs.
Ongoing Support & Claims
Pre-travel safety briefings, 24/7 assistance, and direct access to crisis partners for medical, security, and evacuation support when you need it.
What We Cover
Comprehensive Protection in High-Risk Zones
Flexible coverage sections designed to match your organisation's operational needs and risk profile.
Emergency Medical & Evacuation
Comprehensive medical coverage including emergency evacuation from remote and hostile environments.
Personal Accident & Death Benefits
Protection for your team with substantial benefits for accidents and unfortunate events.
Kidnap, Ransom & Crisis Response
Specialist protection against the financial and operational impact of kidnap, extortion, detention, and related threats. Includes access to expert crisis response consultants.
Political Evacuation
Security extraction and political evacuation when conditions deteriorate rapidly.
Liability & Duty of Care
Coverage to help organisations meet their legal and moral duty of care obligations.
Search and Rescue
Mountain rescue, coastguard, or national air/sea rescue services responding to a life-threatening emergency, disappearance, serious injury, or illness while travelling off the beaten track.
Our Partners
Supported by Leading Global Partners
We work with regulated insurers, crisis response specialists, and assistance providers across the globe to deliver reliable protection wherever you operate.
SCEG
Security in Complex Environments Group
Hiscox
Lloyd's Reinsurance Partner
Control Risks
Crisis Response
Global Guardian
Medical & Evacuation Partner
Testimonials
Trusted by the World's Frontline Organisations
"On behalf of our colleague, we would like to thank you for your constant support, care, and professionalism during his accident in Kyiv. Whenever we reached out to your team, we were always met with exceptional empathy, true dedication, and unwavering support. Thanks to your prompt responses and attention to every single detail, it made a huge difference to our colleague, and his rehabilitation is going smoothly now. We are fortunate to have had the privilege of working with you."
Operations Manager
European NGO
"Hotspot Cover gives exceptional client services, to both new and retained clients. They are fast and efficient in resolving queries, they have great turnaround times, and they are very accommodating to their clients' special needs and requests."
Head of Staff Safety & Security
Global NGO
"The amount we paid for our K&R policy was minuscule compared to the services we received. Legal teams, strategic consultants, 24/7 crisis guidance, if we'd hired these services independently, the cost would've been astronomical. Hotspot Cover wasn't just an insurer. They became part of our family's crisis team. Their foresight in partnering with Control Risks meant that our worst nightmare was met with the best possible response."
Director
Security Consulting Firm
