A consortium of international risk management specialists have launched Hostile Environment Liability Protection (HELP) – a risk mitigation, crisis response, and insurance program. Led by Beazley Syndicate at Lloyd’s, HELP is designed to guide and protect operations in hostile or complex environments.
HELP was created for organizations such as security, logistics, engineering and construction firms, and non-governmental organizations (NGOs), charities, or media that deploy personnel to war zones. It is also available to specialist firms for domestic operations such as nuclear installation protection, air, sea and land security, Homeland Security, VIP protection, explosive detection, and related work.
“Organizations operating in hostile environments face many unique and complex risks, which might give rise to general and employee claims, including potential negligence,” said Richard Neylon, partner at Holman Fenwick Willan LLP, a law firm that provides HELP’s dedicated 24-hour crisis management service. “It is imperative that these organizations are guided by expert risk mitigation and crisis response services, and are properly protected with specialist insurance coverage in all global jurisdictions.”
The culmination of more than a decade of underwriting and risk mitigation experience in hostile environments, HELP provides the guidance and expertise required to protect an organization’s liabilities, including its duty of care responsibilities.
HELP has three primary components:
- Specialist insurance coverage through a Lloyd’s facility that is open to all brokers and has insured land-based and marine operations in conflict zones from Iraq and Afghanistan to Somalia for more than a decade
- Risk mitigation, including access to, and a contribution toward, the cost of a team of legal, risk register, due diligence and security management specialists – all with field experience
- Dedicated 24-hour emergency response, crisis management, and legal response services in the event of a crisis affecting the insured’s operations.
HELP’s Lloyd’s facility is rated “A+” by Standard & Poor's (S&P) and is specifically designed for organizations operating in hostile environments, whether it be for their entire operations or for a particular contract. Coverage includes professional, general, employer, auto and technology products liability with worldwide jurisdiction and including losses arising from political violence and also from war and terrorism. Human asset protection for kidnap and ransom, personal accident and medical, political or political evacuation and repatriation can be arranged to complement the HELP liability product.