Ongoing Risk Situations
Peru
If you have been affected by these recent changes and need to file a claim, our team is here to assist you. Please email claims@clements.com for help.
For guidance and updates on the geopolitical situation in Peru, please consult your home country’s embassy. Updates are often posted on embassy websites to keep travelers informed.
Ukraine
See our Ukraine crisis related FAQs below.
Get your questions answered and receive critical information from our global insurance experts about the evolving crisis in Ukraine. Reach out at taskforce@clements.com.
Prepare and React to the Unexpected with Clarity
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.
Who is Most Affected?
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.
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.
Tarun Chopra, CEO of Clements offers this advice to clients working in these high-risk areas when dealing with sanctions
Be Prepared for Crisis Situations
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
General FAQs
Personal Accident cannot replace your health insurance. It can complement employee health insurance, but it does not replace it.
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
Case Studies
Focus on Your Mission We Will Take Care of Your Coverage
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
- US: Travel Advisories by the State Department’s Bureau of Consular Affairs >
- UK: Foreign Travel Advice from The Foreign Commonwealth & Development Office (FCDO) >
- Centers for Disease Control and Prevention (CDC): Travel Health Notices >
Sanctions
- US: OFAC Sanctions Programs and Country Information >
- EU: Sanctions Map >
- UK: Sanctions List >
- Lloyds of London: Financial Crime & Sanctions >
Helpful Resources
Find tips, trends, and perspectives to help you confidently make decisions and navigate challenges internationally with peace of mind. Read how you can live, operate, and manage risks abroad.
Webinar Recording: Simplifying Board Liability for International Schools
Free On-Demand WebinarDuration: 1 hour Operating and serving on a Board
Separate Fact from Fiction: 9 DBA Insurance Myths to Debunk
When researching DBA insurance, deciphering what’s true and what isn’t can
How to Protect Your Nonprofit’s Board of Directors with D&O Insurance
Board members make important strategic and financial decisions for the organizations
We are Here to Help
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.
Focus on your mission, we will take care of your coverage. Please complete the form below to connect with a Commercial Insurance Advisor to discuss any current or future insurance requirements. You can also email us at request@clements.com.