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Global High Risk and International Insurance

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What is a high-risk travel destination?


Across the world there are often a number of destinations the government considers as high-risk. Regardless of your reason for travel, be that for work or leisure purposes, these countries may be listed on the Governments Foreign, Commonwealth and Development Office (FCDO) list due to being located in a war or conflict zone, having political unrest, or due to recent terrorist activity.


Any country which has recently experienced a natural or technological disaster or hazard would also be included as a high-risk travel destination.


Find out what the current travel advice is


Given the classification of such destinations, it is important to fully consider the risks involved in travelling to them. Identifying and choosing the correct type and level of insurance to both support and protect you and your employees against the likely threats associated with a high-risk destination is essential.

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What does Global High risk insurance cover?


Travel to any destination classed as dangerous or challenging comes with associated risks.


Depending on your travel destination, reason for travel and the duration of your trip, we can work with you to provide you with a bespoke insurance package.


Our global high-risk policies can include:



SJL Insurance Services’ team of global high risk insurance specialists, managed by Stuart Dix, will use their extensive experience and knowledge of dangers in global locations, to provide you with insurance protection options. Ensuring you are protected when travelling to high-risk territories is what we are experts in.

Who needs global high risk and international insurance?


Anyone looking to travel to, looking to work in, or already working in potentially dangerous countries should consider taking out a Global and International High Risk Travel Insurance.


Travel insurance to high-risk countries is often used by:


  • Armed & Unarmed Security 

  • Journalists and reporters

  • Media Teams and cameramen

  • Oil workers and rigs

  • Relief workers and humanitarian aid

  • Religious workers and those working as part of charitable programmes

  • Shipping companies

  • UK businesses with office/s located in a high-risk country


If you or members of your team are due to travel to, or work in, a potentially dangerous location/country and would like to find out more about recommended international travel insurance, please contact our team.


Which countries are considered high-risk to travel to?


At any one time, there are several destinations across the world that are considered potentially dangerous to travel to. Political unrest, civil war, terrorism, piracy or natural disaster will be among some of the reasons for this high-risk classification.


Work commitments can often make travel to high-risk areas unavoidable. In such situations it is paramount that you protect yourself and your staff against threatening situations. Global High Risk and International Insurance can provide you with the cover and protection you need for travelling to and working in dangerous countries.


Global High Risk and International insurance cover is available for countries listed as dangerous, such as:


  • Afghanistan

  • Algeria

  • Iraq

  • Kenya

  • Libya

  • Mali

  • Nigeria (link through to Nigeria page)

  • Somalia

  • South Sudan

  • Yemen


For a full list of destinations that cover can be provided for, please contact SJL’s specialist international insurance team.

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Spotlight on Nigeria 


Working in or travelling to Africa can be fraught with risk. Business Insurance for travelling to certain areas of Africa is therefore vital in ensuring you’re protected.  Nigeria, in particular, has a high level of kidnapping, piracy and terrorism, especially regarding oil and gas workers and cargo vessels. Political and social issues are tense and can make travellers particularly vulnerable.


Nigeria is one of the more common countries we provide high risk business travel cover for at SJL Insurance Services.  


We can provide you with insurance cover if you’re travelling through, working in or have a work premises in the country, specifically targeted to the risks surrounding Nigeria.


Find out more about the risks in Nigeria and how SJL Insurance Services can help protect you against them. 


Nigeria Insurance/Nigeria Business Insurance