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About HELP
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HELP provides insurance policies, underwritten at Lloyd’s, to protect and respond to the challenges of operating in hostile environments.

Welcome to HELP, an insurance and risk management programme to provide comprehensive cover for complex operations in hostile environments. We recognise the challenges you face operating in fragile, conflict and COVID affected states and we are determined to provide you with the extensive insurance coverages you require. HELP is more than insurance for hostile environments; it also enables policy holders to access a range of risk mitigation services, 24/7 crisis guidance support and to benefit from strategic observations and insights. HELP is underwritten at Lloyd’s by syndicates with expertise and experience insuring all manner of risks in hostile environments across the globe. HELP products are available to all Lloyd’s brokers – ask your broker today for further information on the insurance products we offer.

Further details on HELP insurance coverage

The HELP team brings together a highly experienced and specialist group of talented brokers who -working closely with underwriters- design comprehensive insurance products for their clients. Their commitment and expertise is complemented by counter terrorist and security experts. The team has dealt with numerous claims resulting from activities in hostile environments.

The team understands the insurance needs of clients operating in challenging environments including Afghanistan, Iraq, Libya, Mozambique, the Sahel, Somalia, Syria, Yemen and other jurisdictions. If you are in the security, logistics, engineering, construction and oil & gas sectors we have the insurance products to provide the protection you need. In addition, we have bespoke products for NGOs, charities and media outlets operating in these challenging jurisdictions. We have also tailored products for those undertaking specialist work in their own country, including nuclear installation protection, air, sea and land security, Homeland Defense, VIP protection and explosive detection work.

Praetorian are delighted to be associated with HELP. Our products and services will assist policy holders with their risk mitigation strategies.”

Russell Foster, Co-Founder Praetorian
Crises can often seem overwhelming. Several HELP policy holders have benefited from prompt action by HFW.
Richard Neylon, Partner HFW
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Benefits of HELP Membership

Members enjoy considerable benefits including:

  • Authoritative insurance advice.

  • Bespoke and tailored insurance products for challenging jurisdictions.

  • Advice on certification for international standards.

  • Access to a range of risk mitigation and best practice services provided by HELP Associates.

  • Regular updates on geo strategic issues and topical information.

  • Invitation to events as part of the HELP thought leadership programme.

  • Opportunity to access world class crisis management support offered by HFW.

HELP is proud to support the Lloyd’s Patriotic Fund. Founded in 1803 the fund has been providing support to the Armed Forces Community, on behalf of the Lloyd’s market, for over two hundred years. Today, this excellent charity focuses on improving the transition to civilian life for veterans and their families. We make an allocation from every bound risk and have contributed over £200,000 (and counting) to this worthy cause. Thank you for your support.

HELP Insurance Review

The HELP team has a wealth of experience of providing a wide range of cover for clients operating in multiple territories and jurisdictions. We understand the complexities of ensuring that companies have the appropriate cover for their people, their property, and their liabilities wherever they are operating. We are committed to get you the cover you need.

Experience has taught us that often companies have gaps in their existing insurance coverage. A review can provide you the assurance that you have the comprehensive cover you require or highlight shortcomings in your existing policies. We can assess whether you have the cover you need for war, terrorism, and political violence and whether you are covered for claims or incidents in all jurisdictions. Critically we can advise whether you are meeting your duty of care obligations for your people wherever they are operating. We can review your existing cover to ensure you meet contractual requirements for cover like Professional, General (Public) and Employers’ Liability and Physical and Human Assets.

HELP Review – the offer

If a HELP review is of interest to you, we will arrange a bespoke team of insurance and security experts to review your current arrangements and to make recommendations. The review will be conducted discreetly and without prejudice or commitment from either party. We will look at your current arrangements across most types of cover, including your human asset exposure (Personal Accident, Life and Kidnap and Ransom) your physical asset exposure, including War, Terrorism and political violence and your corporate liability exposure.

A review will involve:

  • A discussion about the scale, reach, complexity, contractual arrangements and jurisdictions of your operations.

  • A forensic examination of your existing cover including the limits, terms and conditions.

  • Observations on potential gaps in your existing coverage.

  • An examination of relevant claims that will serve to highlight the risk factors involved in your operations.

  • Without prejudice recommendations will be offered by the HELP review team.
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