Cabinet Expands Insurance Program for Ukrainians’ Property Against Military Risks
The Cabinet of Ministers of Ukraine has made a decision to improve the mechanisms for insuring property against military risks, aimed at providing businesses with broader opportunities to protect their assets in the event of hostilities.
This is reported by AgroReview
New Conditions for Damage Compensation
According to the updated rules, the program now covers property that has been damaged or destroyed starting from January 1, 2026. The changes apply not only to real estate but also to production equipment such as machines, devices, tools, and other apparatus used in the core activities of enterprises. The requirement to provide a Property Valuation Report at the application stage has been removed — entrepreneurs can now independently indicate the amount of potential damage in the relevant application.
“From now on, compensation applies not only to real estate but also to production equipment (machines, devices, tools, apparatus, etc.) used in core activities. The requirement to provide a Property Valuation Report at the application stage has been removed; the entrepreneur independently indicates the amount of potential damage in the application,” the ministry notes.
The procedure for applying compensation limits has also been changed: the limit of 10 million UAH per property or 1 million UAH for insurance premium compensation now applies separately to each legal entity, rather than to all related companies together.
Details on Compensation Grounds and Regional Features
It has been clarified that compensation is provided not only in cases of direct hits from missiles and artillery but also for damages caused by shock waves, falling drones, and debris, as well as in cases of indirect effects from weapons, significantly expanding the range of insured events.
State support retains two main mechanisms: direct compensation for damages to enterprises located in regions with an increased level of military danger (Dnipropetrovsk, Donetsk, Zaporizhzhia, Mykolaiv, Odesa, Poltava, Sumy, Kharkiv, Kherson, Chernihiv regions, excluding occupied territories), as well as partial compensation of the insurance premium for businesses operating in other regions of Ukraine.