Africa includes some of the most varied operating environments in the world. In one assignment the challenge may be armed conflict. In another it may be remoteness, poor infrastructure, medical access or the practical difficulty of evacuation.
Conflict Cover provides specialist insurance for non-combatants working across Africa, including conflict-affected, remote and high-risk locations.
This is not just about war zones. It is about protecting people whose work still requires them to operate where standard insurance may be too limited, too cautious, or simply not designed for reality on the ground.
What's included
For journalists, NGOs, contractors, researchers, corporate teams and other non-combatants working in demanding environments.
Standard travel insurance rarely covers conflict zones, fragile states or remote African environments.
Policies designed for mainstream travel will typically exclude war, civil unrest and complex operating environments. If you are working across Africa, you may need cover specifically designed for the realities on the ground.
Can you get insurance for Africa?
We provide specialist insurance across Africa for journalists, NGOs, contractors, researchers, corporate teams and other non-combatants working in demanding environments.
This cover is designed for real operating conditions, whether the challenge comes from conflict, political instability, remote travel, limited infrastructure or the difficulty of accessing treatment and evacuation support.
Key countries
These are some of the locations where specialist cover is most valuable and where travellers often struggle to find meaningful insurance through standard markets.
Specialist cover for non-combatants working in one of the most difficult environments in the region.
View Sudan coverCover for NGOs, journalists and operational teams working in a fragile and logistically difficult environment.
View South Sudan coverCover for work in a country where remoteness, infrastructure and local instability can all affect risk.
View Democratic Republic of the Congo coverSpecialist cover for non-combatants working across a country with very different regional risk profiles.
View Nigeria coverSupport for work in a higher-risk environment where access, stability and evacuation can all matter.
View Mali coverCover for non-combatants working where distance, instability and access can all affect what meaningful insurance needs to do.
View Niger coverSpecialist cover for a high-risk operating environment where instability, movement restrictions and access challenges affect operations.
View Burkina Faso coverCover for work in a demanding environment where distance, access and infrastructure limitations can all affect the response if something goes wrong.
View Chad coverSpecialist cover for a country where risk can vary sharply between regions and the right insurance decision depends on the actual operating environment.
View Ethiopia coverCover for work in a country where some travel is straightforward, while other assignments may involve regional instability and difficult evacuation conditions.
View Mozambique coverSpecialist cover for one of the most fragile environments in the region, where instability, access and infrastructure limitations all affect what cover needs to do.
View Central African Republic coverCover for NGO coordination, field teams and business travellers whose work extends well beyond Nairobi into the region.
View Kenya coverSpecialist cover for humanitarian field operations, NGO programmes and regional work based from Uganda.
View Uganda coverCover for institutional, development and conference travel based in Rwanda, including regional field operations.
View Rwanda coverCover for field work, development programmes and remote travel in a country where standard insurance may not reflect the real conditions.
View Tanzania coverCover for West Africa programme and development work, including regional travel and Sahel-facing field operations.
View Senegal coverSpecialist high-risk cover for non-combatants where standard insurance is rarely enough.
View Somalia coverWhy Africa needs a different type of insurance
Africa is not one risk and not one insurance problem. Some places involve active conflict. Others involve fragile political conditions, severe remoteness, poor roads, limited medical infrastructure or very long evacuation routes.
That means the key question is not whether you can find a policy. It is whether the policy is built for the truth of the environment and backed by real-world support if something goes wrong.
That is where specialist cover matters.
Active conflict zones
Environments where armed conflict is ongoing or recently active
Fragile political conditions
States where governance, security and stability are under pressure
Severe remoteness
Locations where distance from support creates compounding risk
Limited medical infrastructure
Areas where treatment options are basic and evacuation is complex
Restricted evacuation routes
Environments where getting out requires planning, permissions and air access
What happens if something goes wrong?
NGS provides 24/7 support across the region. They can assess the situation, help coordinate treatment, support evacuation where required, and manage the case through to a safer outcome.
This means you are not simply insured on paper. You have access to practical support when time, distance and local conditions make the situation more difficult.
24/7 response
Around-the-clock emergency support, every day of the year
Treatment coordination
Help coordinating medical care, including where local options are limited
Evacuation support
Evacuation coordination where conditions allow, including air access
Case management
Management of the case through to a safer outcome
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.
These covers can be arranged separately if required.
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
Register in minutes to access your quotes, manage policies, and activate cover. Or use the quick quote widget to get an indicative price immediately.
Cover by profession
Already have an account? Sign in
Quick Quote
Fill in the details below and we'll show you the cost. No account needed to see a price.
Couldn't load occupations.