Senegal is a key base for West Africa operations, development programmes and regional business activity.
We provide specialist insurance for non-combatants travelling to Senegal.
What's included
Senegal is relatively stable — but the West Africa region it sits in is not. Work based here often involves travel and operations in environments where standard insurance is not enough.
Who this is for
Why specialist cover helps
Travel often extends beyond Dakar into areas where infrastructure and support can vary.
Country context
The situation
Senegal is one of West Africa's most stable democracies and a key hub for regional operations. Dakar hosts major UN agencies, NGOs and media organisations covering West Africa and the Sahel. Political transitions have been peaceful and the country has not experienced the coup cycle affecting its neighbours.
The Casamance region in the south has experienced a low-level independence insurgency by the MFDC (Movement of Democratic Forces of Casamance) for decades. While the conflict has been much reduced in intensity in recent years, operations in the Casamance — particularly near the Gambia and Guinea-Bissau borders — require awareness of MFDC presence and UXO from the conflict period.
Senegal's political environment has been more tense since 2021, with government crackdowns on opposition figures and protests that resulted in deaths. The situation normalised after the 2024 elections brought a new government, but political tensions remain.
What to watch
Why it can be challenging
Casamance independence insurgency and UXO risk
The MFDC insurgency is at a low level but armed groups remain in the Casamance forests. UXO from decades of conflict remains a risk for field operations. Movement in remote Casamance areas requires local knowledge and threat assessment.
Political unrest risk in Dakar
Senegal has experienced significant protest violence in 2021-2024, with security forces using lethal force against protesters. Political tensions can disrupt movement in Dakar's central areas during periods of unrest.
Sahel security proximity in the east
Senegal's eastern regions border Mali and Guinea, where Sahel jihadist groups operate. While spillover into Senegal has been limited, the risk of expansion increases as JNIM and ISGS extend their operational reach.
Road safety in rural areas
Senegal's road network in rural areas is variable. Road accidents are a cause of international worker casualties, particularly on the routes to Casamance and to border areas.
Can you get insurance for Senegal?
We provide specialist insurance for non-combatants travelling to Senegal for professional, development and operational reasons.
Cover depends on clear disclosure of where you are going, what you are doing and the scope of any regional travel or field work involved — including assignments that extend beyond Senegal into the wider region.
Why this matters in Senegal
Senegal is a relatively stable West African country — but many of the programmes and operations managed from here are designed for a much more complex region. Field work, cross-border travel and Sahel-facing operations all carry conditions that a standard policy is not designed to address.
Specialist cover ensures the policy reflects the full scope of the work — not just the country where the office is based.
Practical relevance
Cover for development programme staff and regional office personnel based in Dakar whose work involves field travel and regional engagement.
Cover for field operations extending beyond Senegal into Sahel countries and other parts of West Africa where conditions are more demanding.
Cover for NGO and international organisation field teams managing programmes across Senegal and the wider West Africa region.
Cover for consultants, assessors and operational staff conducting regional assessments, partner visits and programme coordination across West Africa.
Emergency support
NGS provides 24/7 support and can coordinate treatment, evacuation and onward care where required — whether the incident happens in Senegal or during regional field travel.
Continuity
Yes. Eligible personal accident benefits can continue after you return to your country of domicile, subject to the policy terms.
Exclusions
This policy protects people, not possessions.
Cover not included
Activity exclusions
Property exclusions
Threat intelligence
For a deeper understanding of the current situation, including operational risks and regional dynamics, see our threat intelligence hub.
Common questions
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