Property insurance against war risks

Thus, when entering into such agreements, certain requirements must be met, in particular:

• Provision of information on the name of the legal entity, location of the object of insurance, category of property transferred for insurance
• Providing confirmation that there have been no losses under war risks since the beginning of a full-scale invasion.
• Provide confirmation that the object has not been abandoned and is functioning as of the date of commencement of coverage.
• Breakdown of values by property category.

The maximum indemnity limit—whether applicable to a specific risk or to the policy as a whole—may vary from USD 500,000 to USD 10 million (in the hryvnia equivalent). Limits may apply either to an individual risk or to the policy as a whole.

The available limit depends on reinsurance capacity (i.e., the amount of risk that INGO can transfer to reinsurers). Therefore, please specify the required coverage amount in your insurance inquiry. INGO will assess whether it can provide the requested limit for your specific property.

Yes. Properties located within 100 km of temporarily occupied territories or the state borders with the russian federation and the republic of belarus are not eligible for insurance.

Restrictions apply to high-risk areas. These include the Dnipropetrovsk, Donetsk, Zaporizhzhia, Mykolaiv, Odesa, Poltava, Sumy, Kharkiv, Kherson, and Chernihiv regions, as well as Kyiv and Kyiv Region.

The applicable terms are subject to change depending on the intensity of shelling and the location of the line of contact. Please confirm the current availability of insurance coverage when submitting your inquiry.

Assets falling within the categories listed below, as well as other property located in their immediate vicinity, are not eligible for war risk insurance:

• military facilities, including military units, depots, and other military infrastructure;
• power plants and other critical infrastructure facilities, such as ports, airports, bridges, overpasses, and dams;
• port infrastructure and any other property located within port premises;
• facilities involved in the extraction, pipeline transportation, and storage of oil, gas, and petroleum products;
• agricultural, construction, and other specialized machinery;
• vehicles, aircraft, and vessels.

Please verify the current availability of insurance coverage when submitting your inquiry.

The premium rate is influenced by:

• the geographical location of the insured property;
• the proximity to critical infrastructure facilities;
• the proportion of glazed surfaces;
• the total value of the insured property;
• the existence of a Property Damage (PD) insurance policy.

The cost of insurance depends on the parameters of the request, the current shelling situation, and available reinsurance capacity. The premium rate may range from 7% to 20% of the insurance limit.

Please verify the current cost and availability of insurance coverage when submitting your inquiry.

Yes. A state program is in place to provide businesses with partial compensation for insurance premiums under property insurance policies covering war risks. The mechanism is established by Resolution of the Cabinet of Ministers of Ukraine No. 1541 dated November 28, 2025.

The program is administered by the Export Credit Agency (ECA). The current parameters and participation requirements are published on the ECA website.

If you plan to participate in the program, please inform your INGO manager when submitting your request. They will explain the participation requirements and help you calculate the estimated amount of state compensation for the insurance premium.