Insurance For Individuals policy:
Specialist personal accident insurance for people working outside their country of residence from just 3 days up to 52 weeks.
Available globally including all high risk locations and conflict zones.
Buy online for immediate cover.
The policy covers:
Section 1
- Accidental death
- Permanent disability by an accident
Section 2
- Sickness and accident medical expenses.
- Medical emergency evacuation for the point of an incident where possible to an appropriate care facility including repatriation to country of residence when required
- Follow you home cover*
Sum insured: $100,000 to $1 Million
Premium: Based on where cover is required and term of policy
Policy term: From three days to 52 weeks
Deductible: Section 2 $250 each and every claim
If you don't find the answer you're looking for below, feel free to get in touch.
Yes. Employees can be covered by our policies during the time they work for their employer.
It's free to register with us. Our policies are inexpensive, highly appropriate to members of the media and have simple admin you can find more details on this page
This policy is for locally employed staff, contractors, or freelancers working in their own country—often in roles that involve operational, logistical, community-based, or fieldwork responsibilities.
It’s suitable for:
– NGO staff based in-country
– Local drivers, translators, and support teams
– Media fixers and production crew
– Security, logistics, or admin staff
– Community health workers and volunteers
Whether they’re working in cities, remote regions, or unstable environments, this policy helps organisations provide vital protection against accidental death or permanent disability—and meet their duty of care.
This policy provides essential protection for locally employed staff, contractors, or freelancers working within their country of residence.
The cover includes:
Section One: Accidental Death and Permanent Disability
– A lump sum payment if a worker dies or is permanently disabled due to an accident while working under your instruction.
– Cover applies whether the incident occurs in the office, in the field, or during work-related travel.
Sum Insured: Typically up to US $500,000, based on income and role
Premium: From US $11.00 per person per day + one-off policy fee
Deductible: No deductible for this policy type
This policy ensures that your locally based staff receive the same level of duty of care as international workers—without needing to leave their home country. It’s quick to arrange, cost-effective, and trusted by employers around the world.
We have created a side-by-side comparison table to make the differences clear. Take a look here
Accidental Death 100% of the sum insured selecteed
We include cover in conflict / war zones including travelling in a military vehicle as a passenger without additional premium.
Yes you can download the full terms and conditions here
Our insurance is built for people and organisations operating in high-risk regions, remote environments, and conflict-affected areas.
We’ve supported a wide range of clients—from government contractors and multinational firms to field teams, consultants, and membership organisations—ensuring they and their overseas personnel get the reliable protection they need.
With flexible policies and global support, we help our clients meet their duty of care—so their teams can focus on the work that matters.
Working with ACOS Alliance, PayDesk, the IPI and many other media organisations we are a global provider of insurance for journalists and media professionals.
If you are a membership organisation looking for insurance cover for your members please get in touch.