Country

    Insurance for work and travel in Georgia

    Georgia's occupied territories of South Ossetia and Abkhazia create specific and serious risks for journalists and NGOs. Political unrest in Tbilisi has escalated significantly. Regional context matters more here than in most countries.

    We provide specialist cover for journalists, researchers, NGOs and field teams operating in Georgia and near its occupied territories.

    Georgia is moderate risk overall but significantly higher near South Ossetia and Abkhazia. Russian occupation creates specific journalist and NGO risks.

    Standard travel insurance may not adequately cover the specific risks of proximity to occupied territories or the escalating political unrest environment.

    Yes — Conflict Cover provides specialist insurance for Georgia.

    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.

    Country risk context

    What's happening in Georgia

    The situation

    Occupied territories, Russian influence and political unrest

    Georgia is a small South Caucasus country that has experienced significant conflict with Russia. The 2008 August War resulted in Russia occupying and recognising South Ossetia and Abkhazia as independent states — a position not recognised by Georgia or most of the international community. Russian forces continue to occupy these territories and conduct regular "borderisation" operations that slowly expand the administrative boundary lines into Georgian territory. Incidental confrontations at these boundaries have resulted in detentions and deaths.

    For non-combatants, Georgia presents a moderate risk environment in Tbilisi and main cities, but conditions near the administrative boundary with South Ossetia (the Tskhinvali line) and Abkhazia require significant caution. Journalists approaching these boundaries have been detained. Russian forces have in the past captured NGO workers. The risk of a further military confrontation, while not immediately imminent, cannot be excluded given the broader trajectory of Russia's regional behaviour following its 2022 invasion of Ukraine.

    The Georgian political environment has also become more turbulent. Civil unrest following contested election results in October 2024 resulted in significant protests and clashes with security forces in Tbilisi. The government's alignment with Russia on some legislative matters — including restrictions on civil society organisations — has increased political tensions and protest activity. Non-combatants operating in Tbilisi should be aware of the potential for rapid escalation in protest situations.

    What to watch

    • Russian 'borderisation' activity along the South Ossetia administrative boundary, which can create acute access risks for journalists
    • Georgian political unrest in Tbilisi — election-related protests and civil society confrontations with security forces
    • Regional escalation risk in the context of the Russia-Ukraine war and its implications for Georgian security
    • Abkhazia internal conditions and any incidents on the Inguri River crossing used by some humanitarian operations

    Why it can be challenging

    Key risks for non-combatants in Georgia

    Russian occupation and borderisation risk near South Ossetia

    Russian forces and South Ossetian authorities regularly detain individuals approaching the administrative boundary. Journalists and researchers investigating borderisation face specific detention risk. The boundary is not clearly marked in all locations, making accidental crossing a real hazard.

    Political unrest and protest-related violence in Tbilisi

    Georgia experienced significant civil unrest following the 2024 elections, with large demonstrations in Tbilisi resulting in clashes between protesters and security forces using tear gas and water cannon. Political tensions remain elevated and further unrest is possible.

    Risk of broader regional conflict spillover

    The Russia-Ukraine war has heightened anxieties about Russian military behaviour in the South Caucasus. A further military confrontation with Georgia, while not imminent, remains a planning consideration for organisations with long-term operations in the country.

    Abkhazia access complexity

    Abkhazia is accessible only via Russia or the Inguri crossing from Georgia, with different legal and safety considerations applying. Humanitarian organisations operating in Abkhazia face a complex environment of competing jurisdiction claims, restricted access and security uncertainty.

    Emergency support

    24/7 support for Georgia including occupied territory contingencies

    NGS provides round-the-clock emergency support. In Georgia, evacuation options include Tbilisi airport for most locations, with contingencies for situations near occupied territories where access may be restricted.

    24/7 response

    Round-the-clock support every day of the year

    Medical coordination

    Coordinating care including evacuation to Tbilisi, Ankara or Istanbul

    Evacuation support

    Managing exit via Tbilisi International Airport

    Case management

    Handling the incident through to a safer outcome

    Exclusions

    What is not covered?

    This policy is designed to protect people, not possessions.

    Cover not included

    • Kidnap and ransom cover
    • Detention or arrest cover
    • Political evacuation

    Activity exclusions

    • Participation in combat or military activity
    • Active involvement in hostilities

    Property exclusions

    • Loss or damage to personal belongings, baggage, or equipment

    Also covered in the South Caucasus

    Threat intelligence

    Threat intelligence and risk context

    For a deeper understanding of the current situation, including operational risks and regional dynamics, see our threat intelligence hub.

    View threat intelligence

    FAQ

    Common questions about cover in Georgia

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