Property Owners & Investors
Owners and investors with commercial property in exposed territories may require specialist protection where conventional property policies exclude war or provide restricted terms.
War & War Risk Insurance
Specialist War Risk Cover
War risk broking for businesses, asset owners, operators, brokers and intermediaries seeking cover for land-based property, infrastructure and operational exposures.
War risk insurance provides specialist protection where war and related perils fall outside conventional insurance.
CJ Coleman works with clients who need cover for conflict-related exposures, often where standard insurance may be restricted. War risks rarely sit neatly within a single category. War, terrorism, sabotage, political violence, and civil commotion are all treated differently, and an event's classification can determine how cover responds. As an independent Lloyd’s broker, we help clients understand these distinctions and present complex exposures to the right markets.
When
Complex War Risk Cover
War risk insurance is specialist insurance designed to cover specified losses arising from war and related hostile acts that are commonly excluded from standard insurance policies. Depending on the policy and class of business, insured perils may include war, civil war, rebellion, revolution and insurrection, alongside other specifically defined risks.
Cover details can vary considerably between property, infrastructure and other land-based risks. Therefore, it is important to identify both the assets or liabilities requiring protection and the events the policy defines as insured war- and conflict-related perils.
War, Civil War, Insurrections & Revolutions
Definitions and exclusions need careful consideration, but specialist policies can cover specified events that would ordinarily sit outside conventional insurance.
War, Terrorism & Political Violence
War cover is often distinct from terrorism and political violence insurance, with different insured events, definitions, exclusions and triggers determining how each policy responds.
Property War Risk
Specialist war insurance can provide protection for buildings, equipment and other physical assets against specified war-related events in territories where conventional property insurance excludes or restricts cover.
Land-Based Property Cover
Businesses with fixed assets, infrastructure, or operations in exposed territories may need specific protection against the risks of war or warlike perils including assets in transit such as high value cargo and commodities.
Who
Who We Support
We provide advice and guidance on war risk insurance for organisations whose assets, people, cargo, or operations create exposures related to armed conflict that conventional insurance either excludes or addresses on restricted terms.
Commercial Landlords
Landlords with buildings in territories affected by conflict may need separate war risk protection, particularly where asset values, occupancy or location create exposures outside standard insurer appetite.
Industrial & Manufacturing Businesses
Manufacturers with factories, plant, machinery and other physical assets in exposed territories may face significant war-related property and interruption exposures.
Energy Companies
Energy firms and providers with fixed assets and infrastructure may face concentrated war and military violence exposures, often requiring specialist cover beyond conventional property or operational insurances.
Infrastructure Providers
Infrastructure operators may need protection for critical physical assets and associated interruption risks due to a range of war or conflict exposures.
Engineering & Construction Firms
Engineering and construction organisations that operate in exposed territories may face property, equipment, contractual and operational risks that require specialist war cover tailored to the project and location.
Hospitality & Leisure Businesses
Hotels, resorts, venues and other hospitality or leisure businesses with physical assets in exposed territories may require specialist protection against war-related property damage and associated interruption.
Retail & Commercial Businesses
Businesses operating shops, offices and other commercial premises in territories affected by conflict may need protection where conventional property policies exclude war-related damage.
NGOs & Not-For-Profits
Organisations working in challenging environments may need specialist protection for property, equipment and operational exposures, often alongside broader crisis management and political violence arrangements.
Multinational Businesses
Multinationals with assets, staff or operations across multiple territories may need coordinated war risk protection that accounts for differing local exposures, policy structures and territorial restrictions.
Brokers & Intermediaries
CJ Coleman supports brokers, MGAs and intermediaries seeking access to specialist Lloyd’s and London market capacity for land-based war risks that fall outside their usual placement channels.
Why CJ Coleman
Why Use CJ Coleman As Your War & War Risk Insurance Broker?
War risk placements are rarely straightforward. Exposure can change with territory, routes, asset type and the relationship between war, terrorism and political violence cover, while standard policies may contain exclusions that leave significant gaps.
CJ Coleman helps clients, brokers and intermediaries navigate these complexities through specialist Lloyd’s and London market access. Our role is not simply to source capacity, but to understand the exposure, identify relevant wording and programme issues, and present the risk clearly to the right insurers. This is particularly important for non-standard placements, difficult territories and risks that sit outside mainstream insurer appetite.
- Independent Lloyd’s BrokerWe provide access to Lloyd’s and London market insurers for specialist and non-standard exposures, without being tied to a single insurance provider.
- War And Conflict Risk BrokingWe help clients consider war exposures alongside related terrorism and political violence risks, paying close attention to how definitions, exclusions, and triggers interact.
- Land-Based Property And Operational ExposuresWe support clients and intermediaries seeking specialist market solutions for property, infrastructure and other land-based exposures rather than viewing every war exposure through a single standard product.
- Complex And Non-Standard PlacementsWhere geography, operations, asset values or policy requirements take a risk outside mainstream appetite, we can present the exposure to appropriate specialist markets.
- Broker & Intermediary SupportWe work with other insurance professionals requiring access to Lloyd’s and London market capacity for specialist war risks.
- Wording & Programme AwarenessOur approach considers the policy wording and wider programme, including the relationship between war, terrorism, political violence and other relevant insurances.
Where
Complex War Risk Insurance Scenarios
War insurance requirements can change quickly as vessels, aircraft, cargo, or business operations move between territories or encounter different levels of exposure as circumstances change, often with little warning. Organisations may discover that standard policies exclude war-related perils, or that changes affect how many insurers are willing to consider the risk. CJ Coleman helps clients and intermediaries understand these scenarios, identify potential coverage issues and present complex war risks clearly to specialist insurers.
- Property In Higher-Risk TerritoriesBusinesses owning or operating property in territories affected by armed conflict may face additional insurance considerations, including territorial conditions, exclusions and changes in available market capacity.
- New Or Changing Territorial Exposure
- Infrastructure In Conflict-Affected Areas
- Construction Projects In Exposed Territories
- Land-Based Asset Exposure
- War, Terrorism And Political Violence Gaps
- Strikes, Riots And Civil Commotion
- Business Interruption Exposures
- Sanctions Considerations
- Difficult-To-Place War Risks
- Changing Risk During The Policy Period
- Multi-Territory Property Programmes
How
HowWe Help
War risk placements require a clear understanding of the exposure before approaching the market. We work with clients and intermediaries from initial assessment through placement and subsequent risk changes.
1.
Understand The Exposure And Territory
We establish what requires protection, including the assets, operations, routes or territories involved. We also consider the existing insurance programme, relevant exclusions and the war, terrorism or political violence protection already in place.
2.
Present The Risk To The War Market
We structure the information specialist insurers need to assess the exposure and approach appropriate market capacity. For complex risks, clearly presenting the underlying exposure is particularly important.
3.
Support The Placement
We help clients understand the available terms, policy wording, limits, exclusions and territorial conditions before cover is placed. Where the exposure changes during the policy period, we can also help clients consider the implications for their existing insurance.
Related Conflict Services
War insurance can form part of a wider programme addressing political instability, security threats and crisis exposures. CJ Coleman can advise on related cover and how it interacts with war risk insurance.
- Terrorism & Political ViolenceCover for terrorism, sabotage, civil unrest and politically motivated violence, with specialist attention to policy definitions, triggers, exclusions and territorial exposures.Cover for terrorism, sabotage, civil unrest and politically motivated violence, with specialist attention to policy definitions, triggers, exclusions and territorial exposures.
- Crisis Management
- Active Assailant
- Assault & Battery
- Kidnap & Ransom
Need Help With War & War Risk Insurance?
If your assets or operations are exposed to war-related risks, or you have identified a war exclusion within your existing insurance programme, speak to CJ Coleman about the specialist options available through Lloyd’s and the London market.
FAQs
War Insurance FAQs
What Is War Risk Insurance?
War risk insurance provides specialist cover for specified war and related perils that are commonly excluded from conventional insurance policies. Depending on the class and wording, it can protect cargo and land-based assets. The precise insured events, exclusions, and territorial conditions vary between policies, so the wording must be considered against the actual exposure.
What Is The Difference Between War Risk And Terrorism Insurance?
The difference lies primarily in the insured event and its policy definition. War insurance responds to specified war-related perils, while terrorism insurance responds to events meeting the policy's definition of terrorism. Political violence insurance can address a broader range of events because a hostile act does not always fit neatly into one category; definitions and exclusions matter.
Do Standard Property Policies Cover War Damage?
War is commonly excluded from conventional property insurance so that specialist protection may be required. The precise exclusion varies between policies, and separate terrorism or political violence insurance should not automatically be assumed to fill a war-related gap. The underlying property wording and any specialist covers should therefore be reviewed together.
Can War Risk Insurance Cover Property In Conflict-Affected Territories?
Specialist war risk insurance can be structured for property and other physical assets located in territories affected by armed conflict. Availability and terms depend on factors including the location, nature and value of the assets, the surrounding exposure and current insurer appetite.
Does ‘Pool Re’ Cover War?
Pool Re is a UK terrorism reinsurance arrangement, not a substitute for specialist war risk insurance. The precise interaction between terrorism arrangements, underlying property insurance and war exclusions needs to be considered against the relevant policies and circumstances.
Can War Risk Insurance Cover Business Interruption?
Business interruption protection may be available in conjunction with appropriate war risk cover, depending on the policy structure and wording. The relevant triggers, indemnity provisions and relationship with physical damage cover need to be considered carefully.
How Do I Know Whether My Existing Insurance Leaves A War Risk Gap?
Start with the exclusions and definitions rather than the policy title. Review how your insurance treats war, terrorism and political violence, then compare those provisions with any specialist policies already purchased. Particular attention should be given to territorial scope, insured-peril definitions, exclusions and the circumstances required to trigger cover.
