Since the Iraq war or the second Gulf war as some refer to it erupted in March 2003, obtaining adequate travel insurance has proved increasingly difficult. Sourcing appropriate insurance for your travels as a business or an individual is vital as in times of emergency it provides the critical cover to your person and belongings that may essentially mark the difference between life and death. For business, small and large alike working in volatile regions like Baghdad, Mosul or Falluja obtaining the right insurance that provides critical cover for war and terrorism acts is vital.

Insurance providers like Atlas and Bellwood Prestbury are unique in the travel insurance industry as they provide cover, mainly for businesses, small and large alike for such dangerous districts like Iraq, Haiti and Nigeria to name but a few. Being able to access such cover is incredibly important to businesses that carry out various trade  in the region, after all the rebuilding of Iraq is a major international challenge, one that is currently being met by a number of organisations, industries and governments. As an employer the wellbeing of your employees and their productivity should be at the forefront of your mind, so it is essential you look after them while they travel to such war-torn areas to carry out your companies business.

Some of the main areas covered by such war and terrorism insurance policies include death and dismemberment , if such a catastrophe were to befall you, the company will pay out a lump sum, one that has been pre-arranged between you and the insurance company. Similarly if you are unfortunate to be wounded in such a way that leaves you permanently disabled you can opt to have either a lump sum payout or receive a monthly income to help you and your dependants continue to live life in the way you have become accustomed to.

In the event that you are injured and need medical attention the insurance company will cover the costs and in the event you need to be evacuated that too will be covered. This is a huge contributing factor to providing you with the necessary peace of mind that comes with knowing that any potential medical bills are covered; especially when a medical airlift can cost in region of tens of thousands, possibly more if carried out in a volatile region because of the associated risks that are attached to landing in such dangerous districts.
A worrying but reality in war-torn countries is the threat of kidnap with a ransom demand, in such an instance, Belwood Pestbury will pay the costs associated with obtaining an expert negotiator, who will liaise with the kidnappers on your behalf, with the intention of recovering your person as swiftly as is humanly possible. In addition they will reimburse any ransom paid on your behalf, a comfort if your family and friends have had to rally funds together to bring you home safely or maybe it’s your company that has coughed up the bill to cover the costs for your safe return. Either way knowing that any associated costs will be paid back to whatever medium used to obtain the necessary funds, no doubt relieves you of any obligatory pressure and provides you with the peace of mind that comes with knowing that any unfortunate event that may befall you will be financially covered by your insurance provider.

The liability and property section of the insurance proves to add more peace of mind to the customer as it protects your belongings against acts of terrorism and war; similarly it protects your business against third party and employee claims. Whatever your insurance needs when entering into such regions, it is essential you contact the provider directly to get the best fitting cover for you and your employees.