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. Quote then buy online for immediate cover in moments.
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.
This policy is designed for NGO staff, humanitarian workers, and contractors heading out on assignment—particularly in regions where their existing insurance offers limited or no cover.
It can be purchased by the individual or by an organisation acting on their behalf.
When you’re operating in high-risk or remote environments, knowing support is in place makes all the difference. Whether you’re in the Central African Republic or responding to crises across Africa, Asia, or the Middle East, our global partnership with Northcott Global Solutions (NGS) ensures rapid, expert assistance when it’s needed most.
Our organisational insurance cover is designed to meet the duty of care responsibility for organisations with groups of staff visiting or working anywhere worldwide.
This cover is designed for NGOs and humanitarian organisations that need to insure locally employed people—including community health workers, drivers, translators, coordinators, and logistics teams—working in their own country.
These individuals often know the local context best and are essential to delivering frontline support, especially in high-risk or remote areas.
The policy is available for any humanitarian worker based in their country of residence. It’s particularly valuable for international NGOs that want to ensure proper protection for their local teams—without having to run everything through a UK or global office.
It includes access to emergency support, medical care, and evacuation assistance, so local staff receive the same level of care as international personnel.
Yes you can download the full terms and conditions here
You will aslo find all our owther downloads and FAQ's,
Yes. We specialise in providing cover for humanitarian workers and NGOs on short assignments.
You can take out a policy for any period from 3 days up to 52 weeks. This is ideal for individuals or teams working on temporary deployments, field visits, or project-based contracts.
If you’re insuring a group, our Group Personal Accident Insurance allows you to cover staff from as little as 1 day, up to 365 days.
Costs start at US $11.00 per person per day, plus a US $10.00 policy fee.
Whether you’re covering one person or a full team, we make it easy to arrange short-term, affordable protection.
Yes. If you’re an organisation insuring humanitarian workers or local teams, our group cover allows you to insure staff on a daily basis—only for the days they are working.
It’s free to register, and we’re happy to help you get set up. The process is quick, the admin is simple, and the pricing is transparent.
Daily cover starts from US $11.00 per person, plus a one-off policy fee of US $10.00.
All other policies (such as individual cover) require a minimum of 3 days.
Its 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
Accidental Death is covered by all our policies and is 100%.
We of course include cover in conflict / war zones including travelling in a military vehicle as a passenger without additional premium.
We have created a side-by-side comparison table to make the differences clear. Take a look here
Specialist personal accident insurance for people specifically working within their country of residence from 3 days up to 52 weeks.
These may often be Fixers, Drivers, Transaltors or local technicla staff
This is known as our 'Insurance For Everyone policy' and available globally including all high risk locations and conflict zones.
Section One: Accidental death only
Section Two: - Permanent disability by an accident
Sum insured: $100,000 to $500,000 per section
Premium: From $11 per person per day
Deductible: Section two, $250 each and every claim
We include cover in conflict / war zones including travelling in a military vehicle as a passenger without additional premium.
We offer the only insurance designed by NGO staff and humanitarian workers—for NGO staff and humanitarian workers.
We work closely with NGOs, humanitarian organisations, field personnel, and global networks to ensure that both international and locally employed staff get the reliable, comprehensive cover they need.
Our goal is simple: to help you meet your duty of care—so your teams can stay focused on their critical work, wherever that takes them.
Working with ACOS Alliance, PayDesk, Rory Peck, the IPI and many other NGO and humanitarian sectors organisations we are a global provider of insurance for NGO staff and humanitarian workers and humanitarian personnel.If you need bespoke cover for yourself, your team or your assets please get in touch.