Kherson is a frontline city in southern Ukraine. Despite liberation in November 2022, it continues to face cross-river shelling, infrastructure damage and humanitarian need. It remains one of the highest-risk operational environments in the country.
We provide cover worldwide for non-combatants, including conflict-affected locations like Kherson. Designed for real operating conditions, not standard travel scenarios.
What's included
Designed for non-combatants working in environments where standard insurance often fails.
Standard travel insurance will not respond properly in Kherson.
Kherson faces active shelling from across the Dnipro River and has sustained severe infrastructure damage. Water, power and medical services remain severely disrupted. Even where organisations are present, the risk profile places it outside what standard policies are designed to cover. Specialist cover is essential.
Yes — Conflict Cover provides specialist insurance for Kherson, Ukraine.
Subject to full disclosure of your assignment, operating area and security arrangements. This cover is designed for journalists, NGO workers, contractors and other non-combatants who have a legitimate professional reason to be there.
City context
The situation
Kherson was liberated by Ukrainian forces in November 2022 after months of Russian occupation. However, liberation did not end the danger. Russian forces hold the eastern bank of the Dnipro River, and Kherson city on the western bank is within direct fire range of Russian artillery, mortars and FPV drones. The city is shelled daily.
The humanitarian situation in Kherson is severe. The Kakhovka dam destruction in June 2023 caused catastrophic flooding and long-term infrastructure damage. The civilian population has been significantly reduced by evacuation, but international humanitarian organisations continue to operate in the city to provide essential services.
For international workers in Kherson, the risk profile is among the highest of any liberated Ukrainian city. Daily shelling means every movement carries risk. Medical evacuation from Kherson requires crossing the river or heading north — both options have their own risks and time constraints.
What to watch
Why it can be challenging
Daily artillery, mortar and drone fire from across the Dnipro
Russian forces on the eastern bank maintain direct fire on Kherson city. Shelling is indiscriminate and occurs multiple times daily. Humanitarian and media workers have been killed and wounded while working in the city.
No effective safe zones within the city
Unlike Kyiv, where some areas are at lower risk than others, Kherson city has no zones that are reliably safe from direct fire. Shell impact is unpredictable in timing and location.
Damaged infrastructure affecting evacuation
The Kakhovka flooding and sustained shelling have severely damaged road infrastructure. Evacuation routes north and the river crossing options both require careful assessment and can be disrupted by military action.
FPV drone attacks on vehicles and personnel
First-person view drones are used by Russian forces to attack vehicles and individuals in Kherson. These are cheap, difficult to detect and have been responsible for casualties among humanitarian workers.
Can you get insurance for Kherson?
We provide specialist cover for NGOs, journalists, logistics teams, contractors and humanitarian workers operating in and around Kherson.
Why this matters in Kherson
Kherson sits directly across the Dnipro River from Russian-held territory and has been subjected to near-daily shelling since liberation. Critical infrastructure, including hospitals, power stations and water systems, remains severely damaged.
Operations in Kherson require specific risk planning. Specialist cover ensures there is a clear route to support if something goes wrong in the field.
We support organisations working in demanding frontline environments like this and understand the need for cover that reflects the real operating situation.
Practical relevance
Medical treatment following a shelling incident in or around Kherson, where local hospital capacity is severely limited and evacuation may be the only option.
Rapid evacuation when shelling intensifies — NGS assesses the situation in real time and coordinates movement to a safe location or medical facility.
Operational changes required when power, water or communications infrastructure fails, forcing teams to relocate unexpectedly.
Emergency support
NGS provides 24/7 response support. They assess the situation and coordinate treatment, assistance and evacuation where needed.
You are supported throughout, not left to manage the situation alone.
Continuity
Yes. Eligible benefits can continue after you return to your home country, subject to policy terms.
Exclusions
Being clear about exclusions helps buyers know exactly what this policy is for and where separate cover may be needed.
This policy is designed to protect people, not possessions.
Cover not included
Activity exclusions
Property exclusions
These covers can be arranged separately if required.
Also covering
Other Ukrainian cities
Threat intelligence
For a deeper understanding of the current situation, including operational risks and regional dynamics, see our threat intelligence hub.
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