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Risk management group offers coverage for operations in hostile environments

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A consortium of international risk management experts has launched a risk mitigation, emergency response and insurance program designed for organizations that operate in hostile or complex environments.

Hostile Environment Liability Protection, or HELP, aims to protect the operations of security, logistics, engineering and construction firms, and nongovernmental organizations, charities or media that deploy personnel to war zones. London-based HELP said Tuesday in a statement.

The program is also open to firms with domestic operations, including nuclear installation protection, homeland security, VIP protection, explosive detection, and air, sea and land security.

Underwritten by Lloyd's of London and led by a Beazley P.L.C. syndicate, the liability policy covers losses from political violence, war and terrorism, according to the statement. The coverage offers limits of $20 million for each claim and aggregate limits of $20 million for combined liabilities, a spokesman for the program said.

Coverage includes professional, general, employers, auto and technology products liability with worldwide jurisdiction, according to the statement. Human asset protection for kidnap and ransom, personal accident, and medical, political or political evacuation and repatriation can also be arranged, HELP said.

In addition, the program provides risk mitigation services, including access to and a contribution toward the cost of legal, risk register, due diligence and security management experts.

Finally, 24-hour emergency response, crisis management and legal response services are available.

“Organizations operating in hostile environments face many unique and complex risks, which might give rise to general and employee claims, including potential negligence,” Richard Neylon, London-based partner at Holman Fenwick Willan L.L.P., a law firm that provides HELP's crisis management service, said in the statement. “It is imperative these organizations are guided by expert risk mitigation and crisis response services, and are properly protected with specialist insurance coverage in all global jurisdictions.”