Hostile Environment Liability Protection
HELP was originally designed for US and UK security firms working in Iraq and Afghanistan immediately after 9/11. The program was expanded to cover contractors working in other hostile or post-conflict countries, such as Somalia and Libya, and now can address activities in any country worldwide.
This website serves as a resource for private businesses and insurance brokers seeking tools to navigate and manage the risks of working in such areas with best protection practices, legal perspectives, and insurance coverage which standard domestic policies exclude.
Once registered as an insured, you’ll gain access to key considerations when subcontracting services and purchasing insurance including Professional Indemnity, General Liability, and Employer’s Liability with the capability to extend indemnity to address Products, Auto and Cyber Liability exposures.
Your traditional policies may have coverage gaps due to the War & Terrorism and/or Political Violence Exclusion, Innocent Insured Clause, Overseas work and/or claims exclusion, Reasonable Force Exclusion, Independent Contractors Clause, Vicarious Coverage, Professional Services Definition, and Land and Sea Operations.These otherwise uninsured exposures may be addressed through insurance policies and/or expert services accessible through HELP.
In the event of an Insured Event, HELP users have available a dedicated 24-hour emergency response and crisis management service as part their HELP policy.GET HELP