Insurance for Security Firms and Risk Management Consultancies
Security and risk management professionals go where risk is the whole point of the assignment. Close protection teams, security consultants and risk advisers operate in exactly the conditions that void mainstream policies. Hotspot Cover provides specialist security contractor insurance for firms and consultancies working in conflict zones and hostile environments.
We cover the exposures inherent to security operations, from emergency medical treatment and evacuation to war, terrorism and kidnap for ransom. Whether you deploy protection teams, provide risk consulting or manage complex operations for clients, our cover is written for the environments your work depends on.
Why security firms need specialist cover
Security and risk management work places personnel in deliberate proximity to danger. Armed conflict, terrorism, civil unrest and abduction are not incidental to the work, they are the reason clients engage you. Standard insurance excludes these perils outright, which is incompatible with the nature of the assignment.
Your firm also carries responsibility for the people you deploy and, often, the clients you protect. Demonstrating that your operatives are properly insured for the environments they enter strengthens both your duty of care and your standing with clients who scrutinise your risk management before awarding contracts.
What our security cover includes
Cover is arranged around the operation, the destination and the personnel deployed. Core elements include:
Emergency medical and evacuation
Emergency medical expenses, medical evacuation and repatriation, so an injured operative can reach appropriate treatment even in remote or hostile locations.
War, terrorism and political violence
Cover for injury and loss from war, terrorism and political violence, the core perils of the environments security teams operate in.
Kidnap for ransom and crisis response
Kidnap for ransom and extortion cover with crisis response support, relevant both to your own personnel and to the risk profile of the assignments you take on.
Personal accident and equipment
Personal accident benefits and cover for equipment and personal belongings used in the field.
Cover built around real world risk
Hotspot Cover specialises in insuring the environments others exclude, which aligns directly with the work of security and risk firms. Our underwriting reflects current ground conditions, so you can secure meaningful protection for genuinely high risk deployments.
For teams transiting or operating in the Gulf during the current regional instability, ask us about Gulf Transit Cover, which addresses war and maritime risk across the region.
Intelligence to match your risk assessments
Your risk assessments are only as good as the information behind them. Review our country risk reports for a detailed analysis of each destination country, covering the security situation, armed conflict, terrorism, kidnapping and practical precautions.
The reports complement your own intelligence and help align cover with the risk tier of each operation, from moderate through to extreme.
Related cover
Security firms frequently deploy alongside the organisations they protect:
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.
Partner with Hotspot Cover
If your firm deploys personnel into hostile environments, we can arrange specialist cover tailored to your operations, destinations and client assignments. Talk to our team about a programme for your consultancy.
Travelling independently rather than as part of an organisation? See our cover for individual consultants and contractors.