It’s crucial that companies sending their staff to high-risk territories buy adequate insurance cover to protect them should their staff unwittingly find themselves in dangerous situations or medical emergencies.

Standard travel insurance does not provide cover for emergency medical treatment that is needed as a result of war or terrorism, so companies sending their staff to hostile territories must ensure they purchase a policy that provides this peace of mind.

In addition to the medical expenses, a personal accident policy can provide a lump sum benefit in the event of death or permanent disability as a result of an accident, or can provide weekly payments until the member of staff is able to get back to work for up to 52 weeks.

Prospect Insurance Brokers managing director Jamie Webb said: “The coverage we offer is designed to get people out of dangerous territories as quickly as possible.

“In the event of a medical emergency, you want to know your staff are going to receive the best medical care possible.

There is always a specialist medical evacuation company listed in our policy and we only partner with companies that have adequate local knowledge and networks, with feet on the ground to ensure staff can be taken to the closest possible medical facilities that provide the level of care and treatment that you would expect for your staff.”

Prospect offers a bespoke range of personal accident insurance products for individuals or groups against death or disability, whether on a permanent or temporary basis, tailored to the specific needs of our clients.

Prospect can also offer additional benefits such as travel and kidnap and ransom insurance, but the cover can be shaped to suit clients’ interests.

Prospect place high-risk personal accident policies in Lloyd’s of London which is rated A+ (Strong) from Standard and Poor’s.