A Guide to Insurance for NGOs Operating in Violent Environments

Policy period

The time for which the policy is valid. Usually between the Effective Date (the date the policy is issued) and the Expiry Date (the date the policy expires).

The insured

The individual or organisation that has purchased the policy.

Insured person(s)

This differs per policy. It is important that the organisation clearly informs the broker/insurer who it would like to be covered in the policy (and to what extent). This may include board members, senior managers, all employees, families, consultants, volunteers, drivers and other categories. The more categories of people you chose to cover, the more expensive the policy will be. Within the policy, each category will be offered differing levels of cover on the basis that organisations generally prefer to provide higher levels of cover for employees than local contractors, for example. However, this is the organisation’s, not the insurer’s, choice.

Operative time

The times when the policy is valid. It can be a simple as 24 hours a day’. It can also be more complicated, including terms like ‘While undertaking an Insured Journey on behalf of the Insured, including Incidental Holiday outside or within the Country of Permanent Residence of the Insured Person’. It is common that different Operative Times apply to different categories of Insured Persons.

Insured journey

A journey that begins during the Policy Period and is undertaken by an Insured Person within the Operative Time.

Country of permanent residence

The country where an Insured Person usually lives (either indefinitely or with the intent to reside indefinitely).

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