The full‑scale war has fundamentally changed how businesses approach risk management. Military threats are no longer hypothetical but part of everyday reality, especially for critical logistics facilities in major cities. One such case involved the settlement of losses following a missile attack on a logistics center operated by one of Ukraine’s leading retail chains in Kyiv.
On 4 Jul 2025, during a massive missile strike on the capital, the blast wave and fragments of munitions caused significant damage to the logistics center building. External structures, façade elements, internal premises, engineering systems, and part of the warehouse equipment were affected. Despite the severity of the destruction, the business avoided financial collapse thanks to an active war risks insurance policy.
War risks insurance: terms and coverage
The property was insured with INGO Insurance Company under a war risks insurance program specifically adapted to wartime realities. The policy provided compensation for direct material losses caused by:
- missile and artillery attacks;
- blast wave impact;
- fragments of munitions;
- secondary damage to building structures and engineering systems.
A key factor in the successful settlement was the properly structured insurance contract: clear definitions of insured events, agreed liability limits, absence of ambiguous wording, and a pre‑approved list of documents required to substantiate losses. This made it possible to avoid delays and disputed interpretations of policy terms.
Immediate actions after the attack
Time is critical in war‑related insurance claims. Within the first days after the attack, our team, together with the insurer:
- arranged site inspections by independent experts;
- ensured proper documentation of damage in accordance with policy requirements;
- collected photo and video evidence of the missile strike consequences;
- assessed the technical condition of the building and engineering systems;
- prepared a preliminary loss assessment.
In parallel, we supported the client in interactions with contractors and technical services to ensure that urgent recovery works did not conflict with the insurer’s requirements or jeopardize the future indemnity.
Fast claims settlement
War‑related insurance claims are traditionally among the most complex to settle, as they require detailed analysis of cause‑and‑effect relationships, technical examinations, and strict verification of compliance with policy terms. Nevertheless, thanks to a systematic approach and continuous process control, the claim was settled in less than three and a half months.
The insurer recognized the event as a fully covered insured loss and paid insurance indemnity in excess of UAH 9.4 million. The funds enabled the client to begin restoring the damaged facility without resorting to additional debt financing.
“We have proven that insurance can work even under the most challenging conditions. Our task is not only to compensate for losses, but to help the business recover faster.”
The role of the insurance broker in war‑related claims
Coordination between the client and the insurer
In war‑related claims, the number of involved parties increases significantly: the insurance company, loss adjusters, independent experts, appraisers, technical specialists, and recovery contractors. The insurance broker manages this interaction, ensuring timely information exchange, coordination of inspection schedules, proper documentation of damage, and strict compliance with procedures set out in the insurance contract. This approach minimizes discrepancies between parties’ positions and accelerates the insurer’s decision‑making.
Protection of business interests
When settling war‑related losses, the insurer operates within its internal regulations and risk management framework, which does not always fully align with the client’s interests. The broker acts as the business’s representative: analyzing policy terms, verifying the validity of expert conclusions, controlling loss calculations, and substantively defending the client’s position in negotiations. This helps prevent understatement of indemnity amounts and a purely formal approach to assessing the consequences of a war event.
Process control at every stage
The insurance broker supports the case from the moment the insured event occurs until the actual receipt of insurance indemnity. This control covers compliance with notification and documentation deadlines, consistency of actions with policy terms, fulfillment of the insurer’s obligations, and transparency of the final settlement calculation. With such support, the client can focus on business recovery without diverting resources to complex insurance procedures.
Why choose us
In war‑related insurance claims, speed, experience, and process control are decisive. We provide comprehensive client support and work for results, not for the formal closure of cases. By choosing us, a business receives:
- practical experience in settling war risks and real cases with multimillion payouts;
- rapid coordination of actions after an attack and proper loss documentation;
- professional protection of client interests in dealings with the insurer;
- control of all settlement stages, from site inspection to receipt of funds;
- a focus on rapid business recovery and minimization of financial losses.
We demonstrate in practice that war risks insurance can function effectively even under the most difficult conditions.
We are convinced that properly structured insurance and professional support are not costs, but a resilience tool for business in times of war.