Why is this important?
Standard insurance doesn’t cover it automatically
Damage related to war, political violence, or military-origin events is typically excluded from standard policies.
The impact goes beyond border areas
Disruptions can affect production, logistics, energy supply, IT systems, or even the financial stability of business partners.
Risks can be assessed and managed
International insurance markets offer solutions to help you mitigate these risks in a structured and informed way.
Coverage up to three years
Policies can be arranged for longer periods depending on the situation, for example for long-term construction projects.
More affordable than expected
For Estonian companies, premiums are typically around 0.1%–0.2% (1–2‰) of the insured value. Keep in mind that pricing and terms may change as the security environment evolves.
Geopolitical tensions can impact businesses even without direct warfare. Damage may arise from sabotage, drone incidents, or other physical events, potentially leading to business interruption.
Standard property or business interruption insurance often excludes war and political violence risks. Political Violence Insurance is specifically designed to cover such events.
Expert insight on Baltic security and business risks
Good to know
Who needs it most?
Political violence and related risks are not limited to border regions. This coverage is particularly important for companies whose operations or assets may be directly or indirectly affected, such as energy and infrastructure, manufacturing, logistics and supply chain businesses.
Contact
Kaido Konsap
Head of Corporate Client Unit
Erko Toomet
Insurance Broker