International Nongovernmental Organization (NGO) Insurance

Gallagher's international fleet program provides a rare cross-border policy that protects international fleets, regardless of country. Programs are customized by vehicle use, mission needs and country to reduce gaps and improve cost control. Offerings include traditional insurance as well as exclusive bespoke options with Lloyds of London.

• Tailored for humanitarian and NGO operations
• One policy for your fleet worldwide with coverage available in high-risk and challenging regions
• Covers auto liability and physical damage across borders, with options for worldwide passive war and terrorism coverage, physical damage and excess liability
• Seamless claims handling with a multi-lingual in-house claims team

Gallagher brings your organization's assets together under one coordinated property and business interruption program, helping protect both locations and income. Built for nonprofits and NGOs operating internationally, our coverage supports recovery in high‑risk environments where infrastructure and response services are limited, helping maintain financial stability during disruptions.

• Business interruption protection covers fixed costs and lost income
• Commercial property insurance that covers replacement costs
• Plans are customizable to include building, business personal property, stocks, computers and data storage
• Essential coverage for multinational operations in high‑risk environments

Gallagher provides nonprofit insurance covering terrorism, war and political violence exposures. Coverage is tailored to conflict zones and volatile regions based on decades of experience.

• Protects people, assets and operations
• Covers civil unrest, riots and terrorism
• Preserves mission continuity in instability

Gallagher's international combined business liability insurance protects organizations including NGOs and nonprofits beyond standard third-party liability claims. With high limits and flexible extension options, these solutions help leaders manage risk proactively and maintain contractual credibility with partners and clients. Offerings include traditional insurance as well as exclusive bespoke options with Lloyds of London.

• Worldwide coverage including high-risk locations
• High-limit coverage for operational, premises, product and injury liabilities
• Protection that extends to local nationals as well as expatriate staff, including business trips to the US
• Primary or excess liability options available

Gallagher protects goods in transit with flexible cargo and transit insurance designed for complex nonprofit and NGO supply chains. Coverage mitigates loss, damage and delay from origin to destination.

• Supports NGO logistics
• Covers multi-country including high-risk locations
• Designed to be flexible, so you can choose when coverage begins and ends and which events are covered
• Can extend to cover war on land, any type of transfer, and full war and terrorism coverage
• Strengthens supply chain resilience

From routine check-ups to critical care, we make global healthcare simple. With emergency evacuation, wellness programs and direct billing in 170+ countries, your team gets the care they need, backed by Gallagher's decades of experience and trusted global network.

• Supports global employee health and retention
• Customized by country and workforce structure
• Includes claims concierge team to reduce administrative complexity and improves employee experience

International personal accident insurance provides 24-hour financial protection for NGO staff worldwide. Coverage supports employees, volunteers and contractors regardless of location.

• Designed for globally mobile teams
• Covers accidental death and dismemberment, total disability and emergency medical with evacuation
• Extends to local national employees, contractors and volunteers as well as international assignees
• Provides assurance in uncertain environments

International group life insurance protects NGO employees and their families across borders, including high-risk regions. Gallagher structures coverage with high limits, simplified underwriting and global consistency.

• Extends coverage to war and terrorism risks
• Supports broader NGO risk management and liability protection strategies
• Provides financial security families can trust

Gallagher delivers kidnap and ransom insurance supported by immediate access to global crisis response experts. Coverage includes investigation, negotiation and secure fund delivery during critical incidents.

• Designed for high-risk and challenging environments
• Extends to local national employees, contractors and volunteers as well as international assignees
• Flexible and customizable coverage