It is widespread practice for insurance companies to exclude coverage for instances of war or terrorist attacks. If you are in the middle of a war zone it is an aspect of your insurance policy that you will need to add some extra coverage amounts. A War Exclusion Clause will almost always be added to your insurance policy if you have not specifically asked for a policy that does include it.
The reason for this clause is to prevent the insurance company from going into the red. The solvency of the company depends upon them collecting more in premiums than what they end up having to pay out. As you can guess, having to cover a number of businesses in a war zone could end up requiring the insurance carrier to pay out millions of dollars for damages and injuries.
This can lead to a carrier that goes into financial trouble, and since they will not be able to cover the amounts of the claims they will go out of business, leaving the claims unpaid, unless the government gives them bail out money to help pay them off. You may not be aware of how much this can affect the economy of the area. Granted, being in a war zone is not great news for a business, but when the economy of the country takes a hit, everyone is going to be affected.
You will need to cover your most basic insurance needs, like you have done up until this point. If you are not sure what that means you may want to go check out how much business insurance is through this comparison site. From there you can get any of the basic coverage that you need. You should already know what types of policies that you will need, but if not, check out the information on the government site that outlines everything that you need to know.
From there you will need to see if your insurance carrier has a separate policy that covers any damage, injury, or deaths at or to your business. It is hard to find a business that will cover you for this because it is so hard for them to predict the amount of any claims that you may file. This makes it extremely hard for the carrier to set a premium amount that will cover the costs. When they do set an amount, it is usually not even close to the amounts of money that they will end up having to pay out.
Some carriers may have you set up a separate policy designed to cover any issues brought upon by acts of aggression within a war zone. Others will remove the exclusion and add it on to the policies that you already have set up through them. As mentioned, though, many carriers will not offer any type of policies that cover you, so you may have to switch companies, or just find one that can offer you war insurance without having to switch all your other policies over. If you do transfer them all though, it may get you a discount due to bundling all your needs into one policy.
That is about all that there is to it. Being in a war zone is stressful enough for you. You should not have to worry about your business and how you could repair things if an attack should come to your area of operations. It may be hard to find a company that will cover you while you are in a war zone, but if you take the time to search around you should be able to find one that will work with you.
