Liability Insurance
Operating in hostile and non-permissive environments magnifies your liability exposure. Standard commercial liability policies are simply not built to withstand the rigorous demands of conflict zones or high-risk sectors. We provide robust liability insurance tailored for the world’s most challenging operational landscapes.
Built for Defence, Security, and Intelligence
Our expertise originates from extensive work with Defence, Security, and Intelligence companies. We understand the unique legal frameworks, contractual obligations, and operational realities these sectors face.
This deep sector knowledge allows our dedicated Liability Insurance team to construct policies that standard brokers cannot access or comprehend. We know how to cover armed security personnel, intelligence contractors, and complex supply chain logistics.
Comprehensive Specialist Coverage
We offer a full suite of liability solutions designed specifically for hostile and non-permissive environments. Our capabilities include:
- Public Liability/`General Liability: Protection against claims of injury or property damage from third parties.
- Employer’s Liability: Fulfilling your legal obligations to protect your workforce in high-risk zones.
- Director and Officer’s (D&O) Liability: Shielding your leadership team from personal financial exposure related to corporate decisions.
- Professional Indemnity: Covering the costs of negligence claims, crucial for advisory and intelligence contractors.
Secure Your Operational Liabilities
A single liability claim can threaten the survival of your business. Partner with a broker who understands your specific operational profile and the true nature of your risk. Ensure your liabilities are fully protected. Contact our dedicated team at Blackthorn Risk today.
FAQS
Can you secure liability coverage for Private Security Companies that carry firearms?
Yes – but it requires careful structuring.
Many standard liability policies exclude or are silent on the use of firearms or the deliberate use of force. This can leave you without cover or create a false sense of protection, as cover may not respond in practice when an incident involves armed personnel.
We work with specialist syndicates that understand the realities of operating in high-risk environments. This allows us to arrange Public and Employers’ Liability cover that is specifically structured to address the use of force, rather than leaving critical exposures undefined.
Does Employer’s Liability extend to local nationals and third-party contractors we hire in-country?
It can, provided the policy is structured correctly. In sectors like Defence and infrastructure, operations rely heavily on complex supply chains. We can tailor your Employer’s Liability and General Liability policies to include contingent coverage for sub-contractors and local nationals, ensuring no gaps in your Duty of Care.
How do international sanctions impact our liability coverage when operating in complex geopolitical regions?
Sanctions clauses are a mandatory component of international insurance contracts. If a new sanction is imposed that makes providing coverage illegal, the policy may be suspended for that specific territory. Our advisory team actively monitors geopolitical shifts to help you adapt your operational footprint and maintain compliant coverage before new sanctions take effect.
