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Crisis and Risk Resource Hub

Prepare and React to the Unexpected with Clarity

Ukraine Crisis:
Live Q&A Sessions Every Tuesday

Get your questions answered and receive critical information from our global insurance experts about the evolving crisis in Ukraine.

Join the Next Session:

Welcome to our international crisis resource hub. Whether you are dealing with political unrest, terrorism, natural disasters or a pandemic, this hub can provide immediate assistance no matter where you and your organization are located.

Key Contacts

Contact our dedicated taskforce using the following email address:
taskforce@clements.com

 

Key Things to Know About Crisis & Risk 

High Risk Situations

High-risk territories can be challenging to navigate, as ever-changing situations can increase risks and directly impact operations.  While they are unavoidable in any crisis, you can mitigate and control them through effective preparation.  

Learn how to strategically brace your organization for impact in our latest article: Achieving Effective Risk Management & Preparedness

Ongoing Risk Situations

Ukraine flag waving

Ukraine

Ukraine’s ongoing crisis is sparking immediate need for humanitarian aid. As countless organizations rush to Ukraine and bordering countries to offer food, shelter and other relief assistance, escalating risks in the region make planning ahead paramount.

See our Ukraine crisis related FAQs below.

 

Who is Most Affected?

Operating in this ever changing situation can be challenging and some organizations have more exposure than others.

NGOs – Often the first to respond, NGOs perform the vital role supporting those in need during a crisis. Often in complex and ever changing environments, protecting their staff and operations is paramount to ensure mission success.

UN Contractors – Due to the sheer scale of the relief effort required, contractors are often called upon to support ongoing efforts. From small to large contracts, each has a unique set of requirements to ensure asset and staff safety.

Government Agencies – Across the world governments are mobilizing support for the region and their activities do not go without inherent risk given the politically unstable nature of the current situation.

Embassies – Embassies and diplomatic staff are providing on the ground support and direction, meaning they may also be exposed to increased risk.

Clements CEO, Tarun Chopra, offers this advice to clients working in these high-risk areas when dealing with sanctions:

We encourage our clients to adopt Know Your Clients (KYC) processes to ensure they aren’t dealing with any sanctioned entity, which can cause disruptions in their operations. Many businesses already have some form of KYC or third-party risk management process, so it’s all about adding an additional layer of risk review to account for all exposures.

How Clements Can Support You

Expert Advice & Experience

We can provide guidance on current or required insurance to cover your operations, assets and staff. Having focused on high-risk territories since 1947, we have been through similar situations and can offer expert guidance when you need it most. Learn more about our experiences during challenging times by reading our case studies further down the page.

Unique Market Access

With our history of navigating dangerous circumstances and trustworthy coverholder reputation with Lloyd’s of London, we can insure you in areas and situations many other carriers cannot. Our underwriters can readily offer coverage solutions to help you achieve your mission. Whether you need Personal Accident, Political Violence, Defense Base Act (DBA), or Kidnap & Ransom coverage, we can help.

Broad Product Suite

We offer access to a broad suite of insurance solutions specific to your organization’s needs. Our customizable plans can get you operating internationally quicker and safer with peace of mind.

Key Coverages to Consider

 

Group Personal Accident insurance icon.

Personal Accident Insurance

 

Personal accident insurance can cover staff and others associated with your organization around the clock. Our policy can extend to accidental injuries that occur in Ukraine. Illness coverage is not available in Ukraine, but it is available in bordering countries.

What it Covers:
  • Occupational Injuries 
  • Off-the-job Injuries 
  • Illness (depending on circumstances) 
  • Injuries Stemming from Violence 
  • Medical Evacuations
What it Doesn't Cover:
  • Self-inflicted injuries 
  • Pre-existing conditions 
  • Routine medical check-ups 
  • Injuries stemming from extreme sports 

 

DBA insurance icon.

Defense Base Act (DBA)

Defense Base Act Insurance covers US government contract workers who get injured or killed on the job. If your organization is working on a US government contract, you are required to have US Department of Labor-approved DBA insurance. Failing to obtain approved coverage can result in significant penalties.
What it Covers:
  • Medical Expenses 
  • Disability Payments 
  • Death Benefits (for workers with spouses/children only) 
What it Doesn't Cover:
  • Off-the-Job Injuries (depends on circumstances) 
  • General Liability 
  • Health  
  • Kidnap/Ransom 
  • Travel Accidents 
 
Political Violence insurance icon.

Political Violence Insurance

 

Political Violence insurance covers property damage stemming from political unrest. We currently can’t offer political violence quotes in Ukraine, Belarus and Russia and Lloyd’s of London insurers are not offering any coverage directly in Ukraine. However, coverage is still available  in bordering countries.

What it Covers:
  • War/Terrorism 
  • Sabotage 
  • Strikes 
  • Riots  
  • Coups 
  • Insurrections 
  • Mutiny 
What it Doesn't Cover:
  • Political Risk (Property seized by the government) 
  • Aircrafts 
  • Watercrafts 
  • Land 
  • Property in Transit 
  • Nuclear Risks  
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Additional Commercial Solutions

 

We have a vast array of insurance solutions for operations in and around Ukraine. Those include:

 

Situational FAQs

Can Personal Accident Replace my Health Policy?

Personal Accident cannot replace your health insurance. It can complement employee health insurance, but it does not replace it.

Is Political Risk Included in Political Violence Coverage?

Political risk is not included in our political violence coverage.

Ukraine Situation FAQs

Got a question related to the Ukraine crisis? We’re here to answer! If you don’t see your answer here, please contact us at taskforce@clements.com.

Car Insurance - Coverage Applicable Under the Political Violence Policy

What Coverage Does My Current Auto Policy Provide for This Situation?

Your policy does include Political Violence coverage including war should your vehicle be subject to damage due to war.

Do I Have to Wait to File a Claim?

No, you may open a claim by requesting a Claim Packet Request via our Claims form or by emailing claims@clements.com.

When Can We Expect Claims to Be Paid?
  • Your vehicle has sustained damage due to war: Your filed claim will be assessed on receipt and will be paid in in 10 business days subject to receipt and review of all requested information.
  • Condition of your vehicle is not known: You can file a claim now for notification purposes. A 6 months waiting period will be applied for the claim to be assessed. Your claim will be processed at the end of the waiting period subject to receipt and review of all requested claims information.
  • You file a claim, however your car is returned undamaged: your claim will be closed with no payment.
Is There Any Deductible Applicable on the Claim?

It is the amount to be deducted from any approved claim amount - $500 each and every loss per vehicle.

How is the Value of My Car Determined in the Event of a Loss?
  • Basis of Claims valuation is Actual Cash Value at the date of loss which is derived by taking the insured value and applying depreciation. Claim amount payable cannot be higher than the insured value of the vehicle.
  • US Spec vehicle – We use NADA Values to calculate the Actual Cash Value of the vehicle at the time of a claim.
  • Non-US spec vehicle – We use Industry standard calculations for calculating the Actual Cash value based on the country of use and international standards. Depreciation is taken from the Date of Purchase to the Date of Loss.

If you would like an estimated value of your vehicle please email taskforce@clements.com and we will work with a claims representative to estimate the value.

What Happens If a Vehicle is Recovered Post a Claims Settlement From Us?
  • You are required per the policy to extend all recoveries and salvage to insurers post a claim payment. Auctioning or sale of the recovered vehicle shall be your responsibility with proceeds due back to the insurers equivalent to the claim amount paid.
  • In the event the vehicle is to be retained and used by you post a claim payment on recovery, insurers will be due back the amount paid for the claim in full.
  • The insurers are not liable for duty surcharges and any related taxes attributed to the disposal of vehicles or importation of replacement vehicle or parts.

HHE / Personal Property Insurance

What Coverage Does My Current Personal Property Policy Provide for This Situation?
  • Please note that your policy does not have Political Violence coverage including war. This exclusion under Personal Property coverage is standard globally under all policies and is not unique to Clements.
  • By design, the State Department offers this particular area of coverage under the Civilian Claims Act.
Where Can I Find Assistance in Filing a Claim for HHE with the Claims Act?

You will be receiving an invitation for a separate meeting regarding the Claims Act from your department. We can help in the process by providing you with a coverage denial letter under our HHE policy due to War exclusion.

Case Studies

 

DBA insurance icon.

Afghanistan: DBA Provides Lifetime Benefits to Family

 

A bomb exploded in an international development group’s Baghdad outpost, killing a US-national employee. As the sole breadwinner for his family with an annual salary of USD 125,000, plus 30 percent hazard pay, the employee was survived by his spouse and two children. Thanks to coverage through Clements’ DBA policy, the family received financial assistance following the NGO employee’s unfortunate passing. DBA coverage provided benefits to the family of the deceased, including: funeral expenses and lost wage death benefits of $1325 weekly, which is the maximum allowed by DBA.

Kidnap & Ransom insurance icon.

Philippines: NGO Member Life Saved by Kidnapping & Ransom Policy

 

While rarely publicized, the kidnapping of NGO employees based or traveling overseas is on the rise. In 2009, a member of an NGO in the Philippines was kidnapped by a local gang at gunpoint and held hostage. Through the Kidnap and Ransom extension from Clements, crisis consultants were quickly sent in with travel expenses covered. The consultants were able to negotiate a lower ransom amount and secure safe release for the victim. Thanks to the NGO’s Kidnap and Ransom insurance policy, the organization was able to safely return its employee while all related expenses were covered.

Useful Links

Clements monitors various sources to obtain live information and uses it to help clients and prospects in affected areas. Below, you will find links to sources on our site and others that provide additional perspectives and guidance:

Travel Advisories

Sanctions

Helpful Resources and Guides

Please see below and check back regularly as we will be adding additional resources as they become available.

Contact Us

Focus on your mission, we will take care of your coverage. Reach out to a Clements Commercial Insurance Advisor if you wish to discuss any current or future insurance requirements. You can also email us at request@clements.com.  

If you have any immediate concerns or emergencies, we’re here to help. Email our dedicated taskforce at taskforce@clements.com and one of our senior leaders will be ready to assist you.