--- title: "Kyiv and the Region — in a High-Risk Zone: What the New Status Means for Business and Residents" description: "The Cabinet of Ministers has included Kyiv and the Kyiv region in the list of high-risk territories, expanding the state program for insuring military risks for business. What this changes for residents and entrepreneurs — in XAB.info’s report." date: 2026-09-17T15:58:01.000Z lang: en url: https://xab.info/en/posts/kyiv-and-region-in-high-risk-zone-what-it-means-for-business-and-residents tags: [kyiv, military-risk-insurance, business-support, ukraine-cabinet, war-economy] publisher: "XAB.info" --- # Kyiv and the Region — in a High-Risk Zone: What the New Status Means for Business and Residents ![Damaged store in Kyiv after an attack: impact on local business in a high-risk zone](https://xab.info/media/2026/09/18/kyiv-i-oblast-v-zone-povyshennogo-riska-chto-eto-znachit-dlya-biznesa/kyiv-i-oblast-v-zone-povyshennogo-riska-chto-eto-znachit-dlya-biznesa-1.webp) ## 🎯 Key Points - The Cabinet of Ministers included Kyiv and the Kyiv region in the list of high-risk territories (Resolution No. 1541), expanding the military-risk insurance program. - The maximum compensation for a single enterprise has been increased from 3 to 5 million hryvnias per year, and fuel and vehicles have been added to the list of insurable property. - The new status introduces no restrictions for residents and does not change lending rules, but experts doubt the availability of reinsurance and budget financing for payouts. The Government of Ukraine has expanded the list of high-risk territories to include Kyiv and the Kyiv region. The decision was made under the state program for insuring military risks and is aimed, above all, at protecting business assets. The news outlet XAB.info has looked into exactly what the new status changes for entrepreneurs and residents of the capital and the region, and which questions remain open. ### What are “high-risk territories” “High-risk territories” are the areas to which the state program for insuring military risks applies. The list of such territories (excluding the temporarily occupied ones) is established by Cabinet of Ministers Resolution No. 1541. It is to this list that Kyiv and the Kyiv region have now been added by government decision. A region’s inclusion in the list does not mean an automatic deterioration of living conditions: as Timur Tkachenko, head of the Kyiv Regional Military Administration, explained, the decision does not introduce any new restrictions and does not change the rules of people’s everyday lives. Its essence lies in expanding the support tools available to business. ### What changes for business For enterprises operating in high-risk territories, the new status means access to an additional tool for protecting assets. The Cabinet of Ministers has not only expanded the program’s geographic coverage but also increased the maximum compensation for a single enterprise — from three to five million hryvnias per year. At the same time, the list of insurable property has been expanded: it now includes, in particular, fuel, as well as vehicles used for its transport and storage. According to financial analyst Andriy Shevchishyn, the key significance of this decision is that business gains access to compensation in the event of damage or destruction of property as a result of military actions. ### Impact on everyday life and lending For ordinary residents, the region’s new status is virtually imperceptible: it introduces no restrictions on movement, work, or everyday activities. Similarly, in Shevchishyn’s assessment, an enterprise’s presence in a “high-risk” territory should not directly affect lending terms or similar financial parameters, since banks base their decisions on their own internal risk-assessment criteria rather than on the Cabinet’s administrative list. ### Contradictory data Here it is important to honestly distinguish two viewpoints. On the one hand, the official position and the very fact of the decision are presented as an expansion of support: business gains a new compensation channel, and the payout ceiling is raised to five million hryvnias. On the other — experts point out that the mechanism’s actual functioning is in question. Vice President of the Chamber of Commerce and Industry Rostyslav Korobko emphasized that the foundation of military-risk insurance is reinsurance with predominantly foreign companies that are actually willing to assume military risk. In his words, almost no one is taking on such risks now, since Kyiv and the Kyiv region are the center of attacks on business. Korobko’s conclusion: the government’s decision on the capital and the region neither guarantees nor compensates for the costs an entrepreneur may incur. Thus, there is a noticeable gap between the declared expanded support and the actual availability of payouts, which sources explicitly note. ### The key question: where does the money come from Beyond the reinsurance problem, the budget question also remains open. Shevchishyn noted that it is still unclear whether funds for compensating business are allocated in the state budget. “Are there funds for this in the budget? Because other areas are being cut at a frantic pace,” the analyst summed up. Against the backdrop of these caveats, the new status of Kyiv and the region should be viewed as a formal expansion of the program, whose practical payoff will depend on whether reinsurers and budget financing can be secured. ## 🔍 Fact-Check Verification - [High-risk territory. What Kyiv’s new status means and what changes for business](https://www.rbc.ua/ukr/news/teritoriya-pidvishchenogo-riziku-shcho-znachit-1789660513.html) - Основной источник: постановление №1541, добавление Киева и области, комментарий Ткаченко, увеличение компенсации до 5 млн грн, цитаты Шевчишина и Коробко. - [Cabinet of Ministers expands military-risk insurance for business to 5 million hryvnias](https://unn.ua/ru/news/kabmin-rasshiril-strakhovanie-voennikh-riskov-dlya-biznesa-do-5-mln-griven) - Подтверждает увеличение максимальной компенсации до 5 млн гривен в рамках программы страхования военных рисков. - [Military-risk insurance for business: Cabinet of Ministers simplifies obtaining compensation](https://sud.ua/ru/news/ukraine/372474-strakhuvannia-voiennykh-ryzykiv-dlia-biznesu-kabmin-sprostyv-otrymannia-kompensatsii) - Подтверждает расширение и упрощение механизма компенсаций по страхованию военных рисков для бизнеса. - [Kyiv and the region added to the high-risk zone: what it means](https://fakty.com.ua/ru/ukraine/20260917-kyyiv-ta-oblast-vnesly-do-zony-pidvyshhenogo-ryzyku-shho-tse-oznachaye/) - Подтверждает включение Киева и Киевской области в зону повышенного риска и разъясняет значение статуса. ## ❓ FAQ ### Q: What does the inclusion of Kyiv and the region in the list of high-risk territories mean? **A:** It means that the state program for insuring military risks (Cabinet of Ministers Resolution No. 1541) applies to these territories. The decision introduces no new restrictions for residents and does not change the rules of everyday life — it is aimed at protecting business assets. ### Q: What changes does business get? **A:** Business gains an additional tool for protecting assets: the maximum compensation for a single enterprise has been increased from 3 to 5 million hryvnias per year, and fuel and vehicles for its transport and storage have been added to the list of insurable property. ### Q: Does the new status guarantee compensation payouts? **A:** In experts’ assessment, not necessarily. Vice President of the Chamber of Commerce and Industry Rostyslav Korobko noted that reinsurers are practically not taking on military risk for Kyiv and the region, while financial analyst Andriy Shevchishyn pointed to the uncertainty over whether funds for compensation are available in the state budget.