Every country scored from 0 to 100 for political violence, war, expropriation and epidemics, from public data. Next to your insured values, with the reasons behind every score.
Insurers ask about strikes, riots and civil commotion as well as flood and storm. Answering means reading three governments’ travel advice and a week of news.
Natural catastrophes come with maps and models. Political risk is usually a list someone updated before last renewal.
Three governments write three kinds of advice. Turning them into one view per country is a job nobody has time for.
Knowing a country is unstable is half the answer. The other half is how much of your insured value sits there.
Country risk is a tab under Insurance Analytics. It scores every country you have sites in and shows how much of your insured value sits in each band.
A score from 0 to 100 for political violence, war, expropriation and biological hazards, from public data only.
The scores sit on the countries your sites are in, with the insured values of the period you pick.
Every score shows its reasons and sources. The history shows when a country moved, and the pulse shows unrest this week.
Political violence, war, expropriation and biological hazards, each scored 0 to 100. The country takes the score of its riskiest part.
Countries from green to red with your sites on top. Switch on conflict or unrest events and see how close they come to your sites.
Every country with its score, its four parts, your sites and your insured value. Export it to Excel.
Open a country and read each part’s reasons in plain words, with the facts they rest on. Below them is each government’s advice in force, summarised with a link to the original, the score’s history and your sites in the country.
Why political violence is 62 The U.S. advises reconsidering travel over crime, terrorism and civil unrest A1, and the UK advises against travel to some areas A2. World Bank governance data rates political stability as weak G1.
A row per country you have sites in, a dot per day over the last 13 weeks. A day stays grey while unrest in the news is usual for that country, and turns red when it rises well above. Flaring countries come first. Open a country for its whole year.
The bands, sources and rules are in the docs: country risk. For flood, storm and earthquake per site, see NatCat exposure.
Four kinds of risk to property and business: political violence (riots, strikes, civil commotion, terrorism, sabotage), war (including civil war and insurrection), expropriation (confiscation and nationalisation) and biological hazards such as epidemics. Each is scored from 0 to 100, and the country score is the highest of the four.
Public sources only: travel advice from the U.S., UK and German governments, CDC travel health notices, the World Bank governance indicators, UCDP conflict data and GDELT news-coded unrest. Each country page credits its sources and links to the original advice.
An AI model applies a fixed rubric to the country’s facts and writes the reasons for each part. Each reason cites the facts it rests on. Every country is scored five times and the middle score is kept, so one unusual answer does not move it.
The facts are checked every hour, and a country is scored again when they change, such as a new advice level or a change in conflict deaths. A government rewording its advice does not change the score.
NatCat scores each site’s address for earthquake, storm and flood, from Munich Re. Country risk scores the country a site is in for political violence, war, expropriation and epidemics, from public data. Both sit next to the same insured values.
Yes. The scores are open to the AI assistant you connect to 21RISK, such as Claude or Microsoft Copilot. Ask how much of your insured value is in high-risk countries, or why a country scores what it does, and it answers from the same data, within the access you grant it.
Everyone with the Read COPE & Values permission on Insurance, like the other Analytics tabs. The scores are the same for every organization; the sites and insured values are your own.
No. The score is an indication from public sources, to see and explain your exposure. Follow the publishers’ own advice before travelling, and agree cover with your broker.
Talk to us about your sites, and we will show you their countries scored and explained.