High Risk Travel Insurance for Individual Consultants and Contractors
Working for yourself in the world's toughest places should not mean going uninsured. Consultants, contractors, engineers, advisers and specialists regularly take assignments in conflict zones and hostile environments where ordinary travel insurance simply will not respond. Hotspot Cover provides specialist high risk travel insurance for individual professionals working where risk is highest.
Our personal cover protects you against the exposures that define these assignments, from emergency medical treatment and evacuation to war, terrorism and kidnap for ransom. If your work takes you somewhere most policies exclude, this cover is built for you.
Why individual professionals need specialist cover
As an independent professional, you carry your own risk. When you take an assignment in a high risk location, a standard travel or expat policy will usually exclude the very things most likely to affect you, including war, terrorism and any travel against government advice. If something goes wrong, you could be left facing enormous medical or evacuation costs alone.
Specialist cover closes that gap, giving you protection matched to where you are working and confidence that a serious incident will not become a personal financial crisis.
What your cover includes
Cover is arranged around your assignment and destination. Core elements include:
Emergency medical and evacuation
Emergency medical expenses, medical evacuation and repatriation, so you can reach appropriate treatment even where local care is limited or unavailable.
War, terrorism and political violence
Cover for injury and loss from war, terrorism and political violence, the perils that ordinary policies exclude but that define high risk assignments.
Kidnap for ransom and crisis response
Kidnap for ransom and extortion cover with crisis response support, an essential safeguard when you are working alone in regions where abduction is a recognised threat.
Personal accident and belongings
Personal accident benefits and cover for your equipment and personal belongings while you work.
Cover built around real world risk
Hotspot Cover specialises in the environments other insurers decline. Our underwriting reflects current conditions on the ground, so you can secure meaningful personal protection for genuinely high risk work rather than being turned away.
If your work takes you through or into the Gulf during the current regional instability, ask about Gulf Transit Cover, which addresses war and maritime risk across the region.
Know your destination before you travel
Before you accept an assignment, review our country risk reports for a detailed analysis of your destination country, covering the security situation, armed conflict, kidnapping, health infrastructure and practical precautions.
The reports help you understand what you are walking into and choose cover that matches the real risk of the location.
Working through an organisation?
If you are being deployed by an employer or client rather than travelling independently, cover may be arranged at organisation level instead. See our pages for corporate teams, security firms, humanitarian organisations, media teams and research institutions.
Frequently asked questions
Hotspot Cover is a specialist travel insurer for conflict zones and hostile environments. Our policies are underwritten by Opportuna Insurance PCC Limited and reinsured through the Hiscox syndicate at Lloyd's.
Get covered
Ready to protect yourself for your next assignment? Get personal high risk travel insurance built for the environments others avoid. Get a quote and get covered online.
Further reading