Journalists don’t choose conflict. But in Israel, Ukraine, Afghanistan, and across many parts of South America and the Middle East, the truth itself is under fire—and so are those who report it.
Earlier this year, Sky News reporters found themselves pinned down by artillery in southern Gaza. Their evacuation was only possible because their parent network had a bespoke insurance policy covering warzone extraction—something many freelancers still lack, according to industry analysts at Munich Re.
In Ukraine, a Reuters photojournalist’s expensive camera gear was destroyed by debris during a missile attack outside Kharkiv. The subsequent insurance claim was initially denied, citing “active hostilities” exclusions, a clause many policies include but few journalists fully understand. Only after significant legal pressure and public advocacy was the claim partially paid, shining a spotlight on persistent gaps between policy promises and real-life protection.
A rising risk, named in the 2025 London Market Insurance Outlook, is kidnap and ransom. Growing cases out of Latin America and Iraq point to criminal gangs routinely targeting international media crews, knowing not all will have the backing—or the insurance—needed for rapid response. Our kidnap and ransom cover provides access to experienced crisis teams, ensuring immediate action in the most critical moments.
It isn’t just the physical dangers. In Iran and Afghanistan, new digital surveillance laws enable governments to target foreign correspondents and hack their kit. Cyber insurance for journalists is still a grey area, leaving many exposed both financially and personally.
So, what’s the lesson? The truth is, not all insurance policies are created equal. Too many talented people are being sent to the front lines without proper cover, or with exclusions that could cost them everything when it matters most.
Helpful Next Steps
- If you’re heading into a high-risk zone—or commissioning someone who is—make sure your insurance policy is fit for purpose.
- Double-check the small print for exclusions, especially around acts of war, terrorism, and cyber threats.
- Speak to a specialist who understands the realities of media work in hostile environments.
We support media teams, freelancers, and NGOs worldwide with policies designed for the toughest assignments. Explore our related resources:
- Insurance for Journalists
- Insurance in War Zones: How to Protect Teams
- Emergency Medical Evacuation: What’s Covered
Need tailored cover? Get a quote today or speak to our team for advice before your next assignment.
