Specialized protection for complex risks
Key areas of war and terrorism insurance coverage
Standard insurance policies commonly exclude losses arising from war or warlike actions. Specialized war and terrorism insurance can help address certain gaps by providing coverage for eligible losses associated with military conflict, terrorism, and related events, subject to policy terms and exclusions.
Declared and undeclared war
Coverage may respond to eligible losses arising from declared or undeclared war, including certain actions involving military forces directed by a sovereign power.
Terrorism
Coverage may help protect against eligible property damage and other insured losses resulting from acts of terrorism that may otherwise be excluded under standard policies.
Warlike actions
Protection may be available for certain losses connected to warlike actions involving military forces, helping businesses manage exposures associated with armed conflict.
Political violence
Depending on the policy, coverage may extend to certain political violence events, helping businesses protect assets and operations against risks beyond traditional commercial coverage.
Property damage
Coverage can help protect insured physical assets against eligible damage resulting from covered war, terrorism, or political violence events, subject to applicable policy conditions.
Business interruption
Where included, business interruption coverage may help address eligible financial losses when a covered event disrupts operations and prevents a business from operating normally.
Active Assailant Insurance
Our Active Assailant coverage is designed to support you through the potential of a violent incident and assist in your recovery should one occur. We offer robust crisis response services that prepare you to face these complex situations effectively and help your business resume normal operations swiftly after an incident. Now with trauma management as standard.
Specialized expertise for evolving risks
Navigate complex risks with Navacord
Navacord advisors help businesses understand complex exposures, identify potential coverage gaps and explore specialized protection suited to their operations.
Tailored risk assessment
Our advisors assess your operations and exposures to help identify war, terrorism, and political violence risks requiring specialized protection.
Access to specialized coverage
We help businesses explore specialized insurance solutions designed to address risks that may be excluded by standard policies.
Strategic insurance guidance
Our advisors help you understand coverage options, exclusions, and policy considerations so you can make informed risk management decisions.
FAQs for war and terrorism insurance
War and terrorism insurance is specialized coverage designed to address certain losses arising from war, terrorism, warlike actions, and related events that may be excluded under standard commercial insurance policies.
Many standard insurance policies contain exclusions for losses arising from war or warlike actions. Specialized coverage can help businesses address potential gaps when their operations, property, or supply chain face these exposures.
Coverage may apply to certain losses arising from either declared or undeclared war. Whether a specific event is covered depends on the policy wording, circumstances, and applicable exclusions.
Warlike actions generally involve military forces directed by a sovereign power. Coverage and definitions can vary by insurer and policy, making it important to review the specific terms.
Not necessarily. The need for coverage depends on factors such as where the business operates, where its assets are located, its supply chain and its exposure to geopolitical or terrorism-related risks.
