Launch of a risk map to identify regions covered by insurance in Ukraine


Consulting firm in risks and crisis response, Inherent risksin collaboration with Lloyd’s Market Insurer, Atrium Subscriptionhas developed an interactive, easy-to-use risk map for users to determine where emergency medical, evacuation and personal accident insurance coverage is available in Ukraine.

In its most simplistic form, the live risk map, updated daily by Inherent Risks – Intelligence Analysts, has divided Ukraine into risk zones, mainly red, orange and green.

This allows organizations and individuals assessing risks, routes and areas of operations in the country to make more informed travel risk management and duty of care decisions and to determine the price of their insurance per day/week/month. .

Its format is simple. The green zone has been classified as low to medium risk, which gives a low insurance rate for the majority of Ukraine, except within a 12 km radius of Russian-occupied territory (red zone), also known as the front line name.

The orange zone represents the 12 kilometers between the red zone and the green zone, and custom quotes are available at an additional premium that justifies the additional risk in this region.

Access point coverage

Access point coverageunderwritten by Atrium and Convex, covers journalists, humanitarians and security personnel in Ukraine since the start of the conflict with Russia through their war risk policies which cover emergency medical care, evacuation, accidents personnel and mutilation, as well as kidnappings and ransoms.

“From a conduct risk perspective and an ethical perspective, providing an affordable insurance solution for organizations entering Ukraine, with real evacuation capability, has been of the utmost importance to us. from the very beginning.” Says Will Edlin, Insurance Manager

Inherent Risks was one of the first companies to deploy its own personnel and capabilities to Ukraine, just 48 hours after the conflict began, and where it has had a continuous presence since, which includes an established operations center 24/7 staffed by multilingual medical assistance and crisis response specialists.

Hotspot, Atrium and Inherent Risks have worked together diligently to assess and monitor risk, understand policyholder requirements, and establish realistic support and response plans that have enabled Atrium underwriters to significantly reduce insurance rates. in the country where the risks are reduced, as identified. in the colored areas of the risk map.

Medical assistance and emergency evacuation

After conducting an industry benchmarking and stress testing of other support providers earlier this year, Hotspot Cover, and in turn, Atrium Underwriting, have named Inherent Risks as their support provider. medical and emergency response for one simple reason. They don’t over-promise and then under-deliver (and they don’t make money at the claims stage).

Edlin added, “Time and time again they have proven their capabilities for our customers, including recently in Afghanistan, Iraq, Gabon, Mozambique and Tanzania. Ukraine was no exception. An insurer is only as good as the assistance and claims provider it relies on to advise, assist and respond to its travellers.

Risk Register

At no additional cost to the premium, Inherent Risks maintains a risk register for all at-risk personnel in-country, including travel tracking and records when they change location, and provides all policyholders with an intelligence briefing and pre-trip advice before they enter Ukraine.

Based on the risk register, depending on the groups of people at risk, the inherent risks move their assets to strategic locations that allow them to react in the event of an incident. Once an SOS is received, their team coordinates the rescue and evacuation.

“Our primary responsibility is to proactively mitigate risk, and in the event of an incident, it is to get the injured to safety, out of the ‘X’, and to triage and stabilize, before transporting them to the nearest appropriate hospital, and/or evacuate out of the country.Says Dan Kaine, Head of Risk and Crisis Management Consulting

To further mitigate risk, Inherent Risks also offers body armor and kevlar helmet rentals, armored vehicle rentals, satellite communications assistance, risk assessments and route planning to organizations entering the the country.

Within their vast network, they also have access to a fleet of helicopters that can land within 2 km of the Ukrainian border, in neighboring countries, to ensure rapid evacuation to hospitals or airports if necessary.

Policies underwritten by Atrium in Ukraine are not “self-rescue” policies.

Special Risk Supplements

Away from the “standard” war risks in Ukraine, Hotspot Cover can also customize your policy to include nuclear, chemical and biological cover – for an additional premium, on a bespoke basis, as well as kidnapping and ransom insurance , Disappearances and Extortion.

Insurance in the Green Zone can be purchased online as easily as a standard travel insurance policy, at

The risk map of Ukraine can be viewed at:

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Country: UK


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