War Risk Insurance: How Businesses Can Obtain Compensation

Insurance against war-related risks is becoming an increasingly important tool for protecting businesses against damage to or loss of assets resulting from the ongoing security situation in Ukraine. To support businesses, the Cabinet of Ministers of Ukraine adopted Resolution No. 1541 dated 28 November 2025, introducing a mechanism for compensating insurance premiums paid under property insurance policies covering war-related risks.

The compensation applies to insurance contracts covering losses resulting from the direct or indirect impact of missiles, unmanned aerial vehicles (UAVs), air defence and missile defence systems, their debris, as well as fires, explosions, or blast waves caused by the use of such weapons. The insurance policy must separately specify the insured amount, insurance rate, and insurance premium attributable to war-risk coverage.

Businesses are eligible for compensation if they have concluded an eligible insurance contract on or after 1 January 2026 and participate in the relevant state support programme. The insurance policy must not provide coverage for a period exceeding one year and may not be terminated early, except where the policyholder exercises its right of withdrawal in accordance with the Law of Ukraine "On Insurance".

The maximum amount of insurance premium compensation available to a single business entity is UAH 3 million per calendar year.