Insurance solution for businesses against war and political risks

Geopolitical tensions, regional conflicts, civil unrest and economic shocks experienced in the first months of 2026; It is among the main risk topics that directly affect not only certain geographies, but also global trade flow and financial stability. Geopolitical blockades, fluctuation in energy and commodity prices and the ongoing restructuring in supply chains continue to shape the risk agenda of companies. This table; It makes stronger scenario analyses, flexible insurance programs and disciplined capital management mandatory.

In this context, Howden draws attention with its "War and Political Risks Insurance", which protects businesses against extraordinary situations such as war, uprising and political violence.

'WAR ALSO HAS INSURANCE'

Howden Turkey Regional CEO and Chairman of the Board of Directors Atınç Yılmaz said that the hot developments in the world create a new reality for companies. He said:

"Geopolitical risks are no longer limited to certain regions. Wars, civil unrest, civil unrest and political interventions affect all processes, from investment decisions to access to finance. Uncertainty is no longer an environmental element, but is at the center of decision-making processes in the business world."

Drawing attention to the "War and Political Risks Insurance" product, which is not yet well known in Turkey, Yılmaz continued his words as follows: The product guarantees physical damage that may occur in the area where your facility is located in cases such as chaos, civil unrest, riots and war. This provides not only classical terrorism coverage, but also a much more comprehensive protection. We can guarantee the damages that businesses may suffer in cases of war, civil unrest, sabotage and similar attempts.”

UKRAINE EXAMPLE: ACTUAL DAMAGE, ACTUAL PAYMENT

Yılmaz states that this product is not a theoretical guarantee, it has been tested with concrete examples. Emphasizing that he said:

"We offered this insurance to our customers during the Russia-Ukraine war. Some of our companies operating in the region suffered damage and received compensation within the scope of the policy. This is one of the clearest examples of how the product works in real life." "We can configure the coverage specifically. Unlike the standard war exclusions in individual insurance, we offer specially designed solutions for corporate risks." he said.

WHAT DO POLITICAL RISK AND VIOLENCE INSURANCE COVER?

The solutions offered by Howden cover not only physical damages but also many critical risks that may be encountered in cross-border investments.

The main risks that can be insured in this context are:

Expropriation: Intervention of foreign governments in investments or contracts

Politically motivated violence: War, civil Confusion, sabotage, terrorism It allows the company to directly transfer the risk it is exposed to. In this way, access to new capital becomes easier and country and counterparty risk limits can be managed more effectively.For senior management, strategic decisions can be made on a safer basis.”

Yılmaz concluded his words as follows:

“We do not just provide an assurance; We provide companies with foresight and resilience in this uncertain environment. We develop solutions with War and Political Risks insurance by engaging Howden's global resources in high-risk regions. Our goal is to ensure that businesses survive in times of crisis and secure their growth strategies. Because today risk management is an integral part of competitive advantage.”