Libya Risk Assessment Country Guide

Working Abroad in Libya

Libya is a popular destination for a number of international organizations, with an economy invested in oil and gas, engineering and construction. These lucrative industries have long drawn expats and other foreigners to the North African country.

However, Libya also experiences  to violent uprisings and political conflict, making international insurance highly recommended. The UK Foreign & Commonwealth Office (FCO) recommends against all travel to most of the country, including Benghazi and Derna. All but essential travel to the coastal regions from the Tunisian border to Misrata, including Tripoli, should also be avoided, as well as to the coastal areas from Ras Lanuf to the Egyptian border. 

On June 9, 2016, the State Department issued a travel warning for Libya due to the continued threat of terrorist activity. Those who are already in Libya are strongly encouraged to depart immediately. Currently, government authorities lack control over much of the country while crime levels remain high with risks of kidnapping, violence, and murder. 

  • Health
  • Safety & Security
  • Terrorism

Health care facilities in Libya are below the standards of those typically found in the US and UK. While there are private clinics available, evacuation to Malta or to mainland Europe may be a better choice to address certain, more complex ailments. Prior to leaving for Libya, you should discuss all possible vaccinations or preventative measures with your primary care physician.

Health care is limited outside of major cities. If you are injured away from urban areas, you may not be able to gain access to the appropriate medical services. The status of current Libyan rescue services is unknown. While malaria is rare, there have been cases reported in the city of al-Kufra as recently as 2010.

Clements Worldwide offers GlobalCare® health insurance coverage. This policy includes USD 5 million in health care benefits, and allows you to choose any number of doctors across the world. Clements coverage enables  flexible payment plans, choice of deductible, multilingual assistance, and optional War and Terrorism coverage. This coverage extends your policy to include illness or injury caused by an act of war and terrorism. 

If you need to travel in order to receive appropriate care, an Medical Evacuation and Repatriation insurance policy from Clements covers expenses to transport you to a capable medical facility in case a local medical center isn’t able to provide adequate treatment in Libya.

Call us today at +1.202.872.0060 or 800.872.0067 or email to discuss your organization’s travel needs tailored to considerations involved while operating in Libya.

Source: UK Foreign and Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

The political situation in Libya is unstable. If you are traveling to or currently residing in Libya, you should avoid all public demonstrations and large gatherings of people. In November, violence in Tripoli between armed militia and protestors led to more than 30 deaths.Violence could occur all across the country, and travel at night should be limited. 

Maritime terrorism incidents have occurred in the territorial and international waters of the Mediterranean Sea off the waters of Libya. On January 4, 2015, a Greek-operated oil tanker was bombed near Derna, Libya, killing two crewmen. There are serious concerns on the safety of maritime vessels and their crew as violence in Libya continues to escalate against civilian commercial interests. Following the incident on January 7, 2015, the Libyan National Army announced that all vessels in Libyan waters require army approval for transit. U.S. mariners and expats should be cautious while transiting in or near Libyan territorial waters. 

Anyone shipping in these waters should consider international insurance. Clements offers Maritime Security insurance policies, which ensure compliance with BIMCO insurance requirements and GUARDCON standards that will achieve cost savings, better coverage and more efficient policy administration.

Libya recently underwent a change in governmental control. In 2011, the National Transitional Council announced the liberation of the country, and elections were held in July 2012. Since then, there have been numerous protests near government locations. Important events can trigger more protests and violent clashes can happen anywhere in the country, with a  large number of weapons still in circulation throughout Libya.

Libyan roads are generally in good condition, but the driving standards are poor. Drivers may behave erratically, and travelers use should use caution and drive defensively while on the road. There is also a risk from unexploded bombs when driving off-road, and violence against drivers has also occurred in some remote regions.

Clements offers International Car insurance, which includes Physical Damage, Third Party, and Excess Liability coverage. With flexible deductible options and fast claims processing, your policy will provide coverage for your vehicle fleet whether it’s on the road, parked or transported abroad.

An optional Political Violence extension is also recommended, which broadens the coverage to include strikes, riots, malicious damage, sabotage, war, terrorism or civil unrest. 

Call us today at +1.202.872.0060 or 800.872.0067 or email to discuss your organization’s travel needs tailored to considerations involved while operating in Libya.

Source: UK Foreign and Commonwealth Office, U.S. Dept of State, and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

There is a high threat of terrorism in Libya. Attacks often target locations visited by foreigners, including diplomatic interests and other symbolic targets. Extremist groups are particularly active in the eastern and southwestern portions of the country.

On October 30, 2016 a car bomb detonated and killed 4 people and wounded another 21 individuals in the city of Benghazi. No group claimed responsibility for the bombing.

On October 26, 2016 the Islamic State carried out two attacks in the Libyan city of Benghazi. In the bombing and shooting attacks, at least two people were killed and an unknown number of civilians were wounded. In a separate incident, Libyan forces found the burned bodies of seven individuals during a raid on ISIS strongholds.

On October 14, 2016 the Islamic State forced in Sirte attacked and killed 15 fighters supporting the government. Additionally, up to 20 others were wounded in clashes as ISIS faces increased pressure from forces sympathetic to the government.

On October 2, 2016 a Dutch journalist was targeted and killed by an ISIS sniper in the city of Sirte. This is the 12th journalist to be killed in the country since 1992.

On September 7, 2016, two separate attacks occurred in the cities of Derna and Tripoli. In Derna, officials report that 4 people were killed in a landmine explosion perpetrated by the Islamic State. In Tripoli, car bombs exploded in front of the naval base and the foreign ministry. No casualties were reported.

On August 18, 2016, at least eight soldiers were killed and 8 others were wounded by a car bomb in the city of Sirte. The soldiers belonged to the Alliance of militias, which are allied to the government of Libyan UN-backed units.

On August 2, 2016, 22 people were killed by a car bomb targeting security forces in a residential area of Benghazi. Shura Council of Benghazi Revolutionaries claimed responsibility.

On July 18, at least 9 soldiers were killed and 25 more were wounded after a heavy exchange of fire between Islamic militant fighters loyal to opposing political factions of the former Libyan national government and loyal supporters of the Tobruk Army.

On July 12, 2016, the Islamic State executed 7 people from secret prisons located in Sitre.

On July 7, 2016, a car bomb killed 12 Libyan soldiers. Thirty-two other officers were injured by the Islamic State related attack.

On July 3, 2016, two people were killed and 7 people were injured in a car bombing in Benghazi. Officials suspect Islamic State militants. 

On June 22, 2016, at least 37 people were killed and 100 injured after a clash between security forces and ISIS. "Dozens" of assailants were killed.

On January 7, 2016, a suicide truck bomb was detonated at a police training camp al-Jahfal where 400 young policemen were being trained in the Libyan town of Zliten, killing 60 people and wounding 200 others. No group claimed responsibility but Islamic State is suspected.

On June 26, 2015, a gunman killed 38 tourists in the coastal resort of Sousse in Tunisia. The terrorist attack comes after another attack in March killing 22 people at the National Bardo Museum in Tunis. The Tunisia’s government believes these and other terrorists apprehended received their training in Libya and began constructing a wall on the Libya-Tunisia border in an effort to keep extremists out of the country.

On July 4, 2015, during clashed between the Islamic State and Al-Qaeda, three car bombings killed 10 civilians in Derna, Libya. 

In October 2013, a car bomb detonated outside the Swedish and Finnish Honorary Consulate, resulting in property damage.

In April 2013, the French Embassy in Tripoli was attacked. In July 2013, the UAE Embassy and an Italian diplomatic vehicle were also targeted, and the Russian Embassy was the focus of terrorism in October.

In September 2012, the US Embassy in Benghazi was attacked resulting in multiple casualties. 

A War and Terrorism insurance policy from Clements offers the right coverage against the risks of civil unrest, war, riots, looting and acts of terrorism.

There is also a high risk of kidnapping in Libya, especially related to terrorism. Extremist groups operate near the borders of Mali, Niger and Algeria, and they have traveled as far as Libya in order to carry out attacks. Criminal gangs have also been responsible for kidnappings in the search of financial gain.

As U.S. citizens and foreigners are presumed to be associated with the U.S. government, they should be vigilant of kidnappings. According to the U.S. State Dept, NGOs travelers can be targeted for kidnappings, violent attacks, or death. 

Clements provides a Kidnap and Ransom insurance policy, which ensures financial assistance following a kidnapping, such as independent investigations, negotiations, arrangement and delivery of funds.

Call us today at +1.202.872.0060 or 800.872.0067 or email to discuss your organization’s travel needs tailored to considerations involved while operating in Libya.

Source: UK Foreign and Commonwealth Office, U.S. Dept of State, and Clements Worldwide

Contact a Clements Representative for Insurance Solutions