War Risk Insurance
Protect your assets from the unexpected risks of war, conflict, and geopolitical instability.
Protect your property and business assets against loss or damage caused by war, armed conflict, rebellion, or large-scale disturbances.
War risks are usually excluded under standard fire policies. This specialised policy provides dedicated protection for businesses, industries, and property owners.
Key Benefits
- Covers war and war-related physical damage
- Available as standalone or add-on policy
- Backed by international reinsurance support
- Suitable for MSMEs, corporates, and high-value assets
What is War Risk Insurance?
War Risk Insurance protects insured property against physical loss or damage caused by acts of war between sovereign nations. It also offers coverage extensions for events such as civil war, rebellion, mutiny, and armed conflicts, which are typically excluded from standard insurance policies. This policy helps businesses maintain financial stability and operational continuity during geopolitical disturbances.
Why do you need War Risk Insurance?
Financial Protection
War-related events can cause severe property damage and operational disruption. Insurance helps mitigate financial losses.
Protection for High-Value Assets
Ideal for industries, infrastructure projects, and properties located in sensitive or high-risk areas.
Business Continuity
Helps organisations recover faster from unexpected geopolitical disruptions.
Risk Management for Corporates
Supports board-level risk planning and strengthens investor and lender confidence.
Comprehensive Risk Guidance
We help you identify potential geopolitical risks affecting your assets and operations.
Comprehensive Protection for Your Workforce
Ensure employee well-being with complete health insurance coverage.
Cost-Effective Group Insurance Plans
Affordable plans with benefits like maternity, critical illness, and dependent coverage.
Tailored Insurance Solutions
Policies structured to match the specific needs of industries, MSMEs, and infrastructure projects.
Peace of Mind for Employers and Employees
Reduce financial stress with cashless claims and reimbursement options.
Expert Claim Assistance
Dedicated support to ensure smooth and transparent claim settlement.
Boost Employee Productivity and Retention
Build loyalty and motivation by easing economic and mental burdens.
Strong Insurance Partnerships
Access to reliable insurers backed by global reinsurance capacity.
What does War Insurance cover and exclude?
Plan Coverage
War on Land
Coverage for physical damage caused by armed conflict between sovereign nations.
Civil War & Hostilities
Protection against rebellion, revolution, and civil war situations.
Acts of Foreign Enemies
Damage caused by hostile actions of foreign powers.
Mutiny & Military Power
Events involving military uprising or usurped authority.
Internal Armed Conflict
Large-scale internal disturbances and war-like situations.
Conventional Weapons Damage
Loss caused by conventional war weapons (excluding nuclear).
Major Exclusions
Nuclear Risks
Loss caused by nuclear detonation, radiation, or contamination.
Government Confiscation
Loss caused by nationalisation, requisition, or seizure by authorities.
Consequential Loss
Loss of income, business interruption, or market loss.
Pollution or Chemical Contamination
Damage resulting from pollutants, chemicals, or biological emissions.
Theft or Burglary
Loss caused by burglary, theft, or unexplained disappearance.
Electronic Attacks
Loss caused by hacking, computer viruses, or electronic interference.
Your Journey to Insurance Manager
A claim under War Risk Insurance can be made in the following situations:
- Physical damage to insured property caused by war or armed conflict
- Loss caused by rebellion, civil war, or military uprising
- Damage caused by war-related hostilities or attacks
Claim what’s yours with Insurance Manager
Have more questions?
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