High Risk Insurance products are designed to meet the specific coverage needs of individuals and organizations working in dangerous areas such as war zones, hostile environments, remote locations and disaster zones. U.S. domestic and traditional international benefits will not work in high risk areas due to policy restrictions and servicing limitations. Not having the proper coverage in place can open your organization up to liabilities and fines. Orion can assist you by providing appropriate products, advice and on-going support.

Benefits & Services

High Risk Insurance products and services are a unique niche within the international benefits world. The insurance products brokered by Orion can include coverage for war and terrorism coverage, are priced specific to the location your employees will be stationed and specifically tailored for your organization’s needs. Orion also partners with special risk brokers to assist our clients with specific types of P&C coverage’s.

Coverage and Services Offered

  • AD&D – Accidental Death and Dismemberment
  • APTD – Accidental Permanent Total Disability
  • Global Medical Insurance
  • On-site Medical Clinics
  • Medical Evacuation
  • Political Evacuation
  • Security
  • High Risk Travel Medical
  • Identification of Local Healthcare Providers

Coverage Offered By Our Partners

  • DBA – Defense Base Act
  • Foreign Voluntary Workers Compensation
  • Liability
  • Auto
  • Property

Orion’s Advantage is Experience

Orion has over a decade of experience in writing high risk coverage for clients operating in war zones around the world including Iraq, Afghanistan, South Sudan and other hostile environments. Leverage Orion’s experience in this ultra-niche area of the insurance world to ensure your employees are properly protected.

Five Major Reasons Why Clients Turn to Orion for High Risk Insurance Coverage

  1. Access to Coverage.
    Orion can access more international carriers and Lloyd’s markets than other brokers.
    This gives us a distinct advantage in pricing and making sure you have done your due diligence.
  2. Reduce Costs.
    Our intimate knowledge of this niche market and what prices should be helps our clients keep their costs down as low as possible.
    We have also developed unique billing methods with our carriers and aggressive renewal process that eliminate wasted premiums.
  3. Compliance.
    We will make sure that your coverage meets important compliance requirements.
  4. Parity.
    Employees heading to high risk areas will typically leave family members at home.
    It is critical that the international benefits (especially medical) match domestic coverage as closely as possible.
  5. Eliminate Gaps.
    Orion has many unique ways to prevent your employees from falling into coverage gaps.


If you are responsible for the benefits of a company, NGO, mission organization or security company please contact us for a consultation. Insurance brokers representing clients with operations in high risk areas are also encouraged to contact Orion. Organizations looking to price coverage in order to accurately bid on contracts are welcome to contact Orion.



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