Specialist Liberia insurance should be central to preparations for working in this fragile equatorial country. Despite a huge UN peacekeeping mission, Liberia still presents serious dangers to the visitor. Due to the 2014 Ebola outbreak Foreign and Commonwealth Office has advised against all but essential travel here, and consequently standard western insurance policies will be inadequate or invalid.
Liberia insurance – quick facts
- Contact us for specialist insurance advice regarding 2014 Ebola outbreak
- Carefully consider your security arrangements before traveling to Liberia
- International health insurance in Liberia is essential, along with cover for emergency evacuation
- There is a high level of crime in Monrovia, including armed robbery and road travel is hazardous, especially at night
Get the right insurance for Liberia
- Specialist Liberia insurance – can include protection for personnel, property, vehicles and equipment
- We can cover all of your business liabilities in Liberia and help you to understand and meet contractual and local insurance obligations
- Due to limited medical facilities and other risks to personal security, specialist Liberia insurance is advised for visitors and expats
- We can cover you for life, personal accident, personal disability, medical emergencies, evacuation and other specialist insurance needs, including kidnap and ransom cover
Potential dangers in Liberia
Liberia, Africa’s oldest republic, was founded in 1847 by freed American and Caribbean slaves. Recent decades have seen it torn apart in a bloody civil war and conflict with neighbouring Sierra Leone. A ceasefire was agreed in 2003 with the ousting of President Charles Taylor. He has since been tried in The Hague for war crimes.
The Ebola outbreak of 2014 has claimed 1000s of lives and presents huge risks and challenges for expats, health and NGO workers in the region. Anyone living in or visiting Liberia should keep up to date with the local situation and follow advice from the National Travel Health Network Centre and FCO. If you are travelling to Liberia during the crisis, please contact us for specialist insurance advice.
Although peace has come to Liberia, the security situation remains volatile and travel here is not recommended unless you are supported by a reliable organisation with appropriate security arrangements. Specialist Liberia insurance should be part of your planning, because many insurers won’t provide cover for places where FCO advice is against travel.
Infrastructure is poor and even buildings in the capital, Monrovia, are often without electricity and running water. Liberia’s healthcare system has been completely overwhelmed by the 2014 Ebola outbreak. Tropical and waterborne disease is common and the risk of injury is high. International health insurance in Liberia is critical and must have cover for emergency evacuation to another country.
In Monrovia, violent crime is a big problem in many areas, particularly after dark. Robbers are frequently armed with knives and machetes, and there is also a high incidence of rape. Be cautious at all times, leave valuables in a safe place whenever possible and don’t walk or travel about alone.
Outside the capital, travel can be extremely dangerous due to political unrest, widespread lawlessness and the large amounts of weapons in circulation. Areas bordering Sierra Leone can be particularly explosive. Due to the poor state of the roads, travel by car or bus is invariably hazardous and still more so during the rainy season from May to November.
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Latest Foreign & Commonwealth Office advice
The FCO advise against all but essential travel to Liberia. Check the security situation before travelling to any part of the country. Take out comprehensive travel and medical insurance before you travel.