HELP is an insurance and risk management programme that provide comprehensive cover for complex operations in hostile environments. HELP is underwritten at Lloyd’s by syndicates which have been writing specialist security related operations for over 15 years. HELP products are available via all Lloyd’s Brokers.
The HELP team is able to provide you with authoritative information on purchasing insurance products including Professional Indemnity, General Liability and Employer’s Liability. Within the HELP facility we can extend coverage to address Products, Auto and Cyber Liability exposures. Often we have found that companies have inadvertently purchased policies that have coverage gaps in areas such as War & Terrorism and/or Political Violence Exclusions, Innocent Insured Clauses, Overseas work and claims exclusion, Reasonable Force Exclusion, Independent Contractors Clause, Vicarious Coverage, Professional Services Definition, and Land and Sea Operations. These exposures may be addressed through insurance policies and expert services accessible through HELP. We can help you navigate these liabilities and exclusions to ensure you get the coverage you need.
Human Asset Exposure
The HELP team recognise that people are your most important asset and we have a range of policies to ensure that they are well protected whatever the challenges or the environment.
Personal Accident Insurance
Personal Accident insurance will compensate your business if you, or an employee suffers an injury that prevents you or them from working, either temporarily or permanently. Any accident or associated injury has the potential to cause considerable stress and anxiety and this is often exacerbated by the complexity and remoteness of your environment. It is essential that you have the right cover in place. The key features of this insurance will include cover for accidental death or injury including loss of sight and dismemberment, medical expenses incurred following an accident or illness, evacuation and repatriation.
A traditional Life insurance policy covers death from natural causes or bodily injury. However, those working in high risk environments may be excluded from this cover. The HELP team have been working with clients operating in challenging or hostile environments for many years, providing them with Life insurance cover, and have the knowledge and expertise to help provide you with the cover that you need.
Key Man Insurance
A variant of Personal Accident insurance, in which a lump sum is paid if someone who is vital to your business is unable to work as a result of illness or injury. This may be a board member or might for example be an experienced country manager who is essential to the success of your operations in a particular jurisdiction.
Kidnap and Ransom Insurance
The HELP team have been actively involved for decades with Kidnap and Ransom (K&R) policies and have learned how best to mitigate the security threats and support their policy holders when incidents happen. Coverage can be extended to include extortion, wrongful detention and hijacking.K&R policies are indemnity policies that reimburse a loss by the insured business or individual.If you are concerned about the threat of kidnapping talk to your HELP advisor today.
Physical Asset Exposure
HELP has an extensive range of policies designed to protect your property in hostile environments and whilst in transit.
HELP can provide cover that pays out expenses and lost earnings caused by an insured event which impacts on your business and operations causing perhaps closure or temporary relocation.
The political risk insurance provided under HELP could compensate you for lost assets and revenue caused by political activity and actions by governments which are outside of your control. The loss of assets might include confiscations, expropriation, or nationalisation.
War, Terrorism and Political Violence
The political violence perils are dynamic in nature, often difficult to read but their impact on your company can be significant. The international terrorist threat is constantly evolving with a diverse range of actors from lone operators to state sponsored groups. The apparent ease by which individuals become radicalised and the use of unsophisticated weapons to cause harm has made predicting and interdicting terrorist attacks much more difficult. You need to be covered. The nature of these pervasive threats necessitate that they are board-level issues and must be on your corporate risk register. Our experienced War, Terrorism and Political Violence underwriters are experts in managing such risks and through HELP can advise on a variety of insurance protection.
Doing business in hostile environments can be tough when things go wrong. HELP political risk insurance protects businesses worldwide against losses in a range of situations from government embargoes and license cancellations to non-payment and delivery issues. We cover individual contracts and groups of transactions, whether short, medium, or long-term and we can tailor policy wordings to a specific transaction.
Cross Border Trade
Cross-border business has potentially a multitude of risks including cybersecurity, terrorism, political violence and supply-chain risks, and changes in concepts of insurable interests in both tangible and intangible assets around the globe and in cyberspace. The HELP team has considerable experience addressing the unique insurance coverage challenges faced by companies that conduct business across borders and the various insurance arrangements available to address distinct cross-border risks.
In a complex and ever-changing global marketplace, suppliers, buyers and financiers face multiple trading risks including non-payment, non-delivery, cancellation of licenses, embargos, war and (un)fair calling of advance payment or performance guarantees. We can help protect companies from suffering losses resulting from any combination of these risks on individual or groups of transactions; whether short, medium, or long-term.
HELP can protect your investment by compensating you for lost assets and revenue caused by foreign governments actions out of your control. This might include confiscations.
Construction All Risks
The essence of the Construction All Risks cover is protection against the physical loss or damage to the works being undertaken. The policy could pay for repair or replacement of the insured works following damage caused by uninsured event.
Professional indemnity insurance provides coverage for bodily injury, property damage and / or financial loss resulting from the insured’s professional services, whether actual physical work or advisory consulting. HELP professional indemnity insurance can address your liabilities.
General liability insurance can encompass a range of cover for third parties including bodily injury and property damage. General liability is required to be held to be contractually compliant and the HELP team have considerable expertise in helping companies operating in hostile environments and conflict zones to arrange the right level of cover.
Employers’ Liability insurance provides coverage related to allegations of negligence in the standard of care provided by an employer. This is particularly relevant where Defense Base Cover is not applicable. Underlying Personal Accident, Sickness, on-site medical care, local evacuation and repatriation coverage should be purchased separately and be in place to fulfil duty of care responsibilities and mitigate employee lawsuits following sickness, injury or death.
Directors’ and Officers’ Liability
In recent years much of the responsibility for lawsuits arising from decisions made within an organisation has shifted to the individual. For this reason, it is critical as an employer to understand the risks associated with the decisions your employees, board members and officers make on behalf of your organisation. We are able to help your firm arrange directors and officers liability insurance which is designed to provide your directors and board members with protection against personal liability claims.Whilst operating in high risk areas your key staff need protecting to give them the confidence that their decision-making has the backing of your company or organisation. The HELP team can assist you to develop a policy based on your exacting requirements
Keeping data secure is vital for your operations – putting a cyber and data risks insurance policy in place means you are protected. Cyber liability insurance is designed to ensure your business is protected against cyber-crime including fraud, data theft and social engineering and may also cover data breaches. Insuring against cyber-crime and data risks means you are protected against new and existing threats, but the HELP team may also assist you with the practicalities of getting experts to restore systems, recreate data and deal with any demands being made where data is stolen.
Coverage can be extended to include failure to prevent transmission of viruses and other malicious code from computer systems to third party computers or systems.
Keeping client data safe, making sure online transactions are secure and complying with the changing legislation around digital transactions and communication and GDPR legislation is complicated. It is easy to make mistakes or miss things. If you are worried about cyber security get HELP.
Auto and Products/Completed Liability
Product liability insurance works as part of your public liability cover to give you an extra layer of protection if someone complains about a specific product. Product liability insurance is useful in the security sectors where it protects you when someone makes a claim for injury or damage caused by a product you are involved with. You may be the manufacturer, the supplier or you could operate only in a particular jurisdiction, wherever you are in the life cycle, you could still be faced with a claim.
An insurance covering reputational damage generally covers the company’s loss of profits and may offer financial support for crisis management. A reputational crisis can deal a devastating blow to client confidence and the acceleration and amplification of shocking news through social media demands an urgent and coordinated response. The HELP reputational risk solution can address the entire life cycle of a crisis.
Infringement and Multi-media – Personal and Advertising Injury
Within the HELP facility coverage can be provided for false arrest, detention, invasion of privacy, infringement of copyright, libel or slander of another person or organisation, legal defence costs from lawsuits that claim false, malicious or misleading statements in advertisements, promotional materials or websites.
Note that all coverages are the exclusive responsibility of the issuing Lloyd’s insurers and are subject to the terms, conditions, exclusions and limitations of the policy forms and endorsements, which shall in all cases control irrespective of the general descriptions of coverage provided above. Please consult your insurance broker or contact the HELP team