Lebanon Risk Assessment Country Guide 

Working Abroad in Lebanon

The country of Lebanon is defined by a rich, diverse and intricate history. Situated next to Israel and Syria, the nation  is often home to many intense conflicts. However, Lebanon has also formed a unique cultural identity that may make it a desirable destination for expats and foreign travelers.

The UK’s Foreign and Commonwealth Office (FCO) advises against all travel to the city of Tripoli, Palestinian refugee camps, the Syrian border, and some southern portions of Beirut, among others. The FCO also advise against all but essential travel to Saida, south of the Litani River, and Bekaa Valley west of the Baalbek El Hermel High Way.

On December 11, 2015, the State Department reissued a travel warning for Lebanon from May 29, 2015. The Department of State urged citizens to restrict travel to Lebanon and cautioned those living there to vacate due to high risks of bombings and kidnappings. Due to the high risk of terrorism and political violence, you should consider comprehensive international insurance to cover you while staying in Lebanon. 

  • Health
  • Safety & Security
  • Terrorism

On November 19, 2015, the CDC issued a level 2 alert for those traveling to the Arabian Peninsula due to an outbreak of MERS (Middle East Respiratory Syndrome). MERS is a viral respiratory illness that causes fever, cough, and shortness of breath. The CDC encourages travelers to wash their hands consistently and avoid contact with other sick people in the area.  

Healthcare throughout Lebanon can be expensive. Before leaving your home country, you should talk to your primary care physician about any possible vaccinations or other preventative measures.

Many medical facilities have good standards and doctors are typically qualified. Primary spoken languages include French and English. To manage the costs of treatment while in Lebanon, adequate medical coverage is advisable.

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 and optional War and Terrorism coverage. This extends your policy to include illness or injury caused by an act of war and terrorism.

In some cases, you may not be near adequate treatment facilities when you need care. A 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.

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

Source: UK Foreign & Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

The political security situation in Lebanon can become dangerous quickly. Demonstrations and civil unrest occur often, and can lead to violent encounters. Regional tensions nearby can impact the current climate. 

On August 31, 2016, a car bombing killed a Syrian woman and wounded five others in Zahlé.

On August 15, 2016, 2 Lebanese Army soldiers were wounded by a roadside bomb near the village of Ras Al-Sarj in the Arsal Municipality.

On November 12, 2015, an ISIL suicide bomber detonated a bike loaded with explosives and when onlookers gathered, another suicide bomber detonated himself on them, killing 43 people and leaving 240 wounded.

From November into December 2013, violent clashes in Tripoli led to several deaths. As a result, the international highway near Akkar and the Syrian border was closed, and sniper fire on that road has also resulted in deaths.

In November 2013, two explosions near the Iranian Embassy in Beirut killed at least 22 people and wounded over 100. In August 2013, two explosions after Friday prayers killed at least 42 people and injured more than 300. In addition, a rocket strike from Lebanon into Israel in August led to a separate strike on a location between Saida and Beirut.

Travel through Lebanon can be dangerous at times. Road conditions are generally poor, and driving behavior is typically sub-standard. The accident rate is high. Due to military checkpoints, you should carry ID with you at all times. Clements offers international car insurance, which includes Physical Damage, Third Party Liability, 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.

There is a chance of maritime terrorism and piracy in the waters off the Lebanon coast. A Maritime Security insurance policy from Clements ensures compliance with BIMCO insurance requirements and GUARDCON standards that will achieve cost savings, better coverage, and more efficient policy administration.

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

Source: UK Foreign & Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

There is a high threat of terrorism in Lebanon. There are frequent terrorist bombing attacks involving suicide bombers or car bombs throughout the country. Attacks take place in public locations, like hotels, restaurants, bars and tourist sites. Extremists have been known to operate in Palestinian refugee camps and near Syria, as well as Tripoli and the Hermel area. 

There are many active extremist terrorist groups in Lebanon including Hizballah, the Islamic State of Iraq and the Levant (ISIL), the Abdullah Azzam Brigades (AAB), and al-Nusrah Front (ANF). The ISIL and ANF are responsible for the suicide bombings and often target U.S. citizens.  

Starting from June 2013 to present, there have been over four bombings in Beirut and Tripoli, claiming hundreds of lives and resulting in serious injuries. On June 20, 2014, a suicide bomber detonated himself at a checkpoint on the main Damscus-Beirut highway, causing two deaths and more than 30 injuries. On February 19, 2014, two suicide bombers led an attack against the Iranian Cultural Center, resulting in five deaths and over 30 injuries in southern Beirut. 

In August 2013, a car bomb in the southern part of Beirut killed 21 people and injured more than 300. Later that month, multiple bombs exploded in mosques in Tripoli, killing at least 42 people and wounding hundreds more. Political attacks could also occur, and the chief of Lebanon's Internal Security Forces was killed along with seven others from a car bomb explosion in Beirut, in October 2013.

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 serious risk of kidnapping in Lebanon. Foreigners typically business people are targeted by disguised criminals and other militant organizations. Hotspots include the Bekaa Valley and Beirut. In August 2013, two Turkish pilots were kidnapped near Beirut's international airport. They were eventually freed several months later. Additionally, there have been reported cases of kidnappings and attacks of Lebanese citizens by armed groups from Syria near the border.

A Kidnap and Ransom insurance policy from Clements 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 request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Lebanon.

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

Contact a Clements Representative for Insurance Solutions