Kidnap Ransom Insurance

Kidnap & Ransom

Core coverage for physical abduction of insured persons — executives, employees, and family members — including ransom payment reimbursement, negotiation fees, and loss of ransom in transit.

Express Kidnapping

Coverage for short-duration abductions — often lasting hours — in which victims are held while perpetrators extract funds via ATM withdrawals or wire transfers. A growing exposure for business travelers in urban markets worldwide.

Virtual Kidnapping

Coverage addressing extortion schemes in which criminals deceive victims and their families into believing a kidnapping has occurred and demand ransom without physically detaining anyone. Increasingly prevalent across domestic markets and frequently uninsured.

Extortion Coverage

Broad extortion insurance responding to credible threats against persons, property, products, computer systems, or proprietary data — including product tampering threats and reputational extortion demands.

Cyber Extortion Insurance

Coverage for ransomware demands, data-breach extortion, and other cyber-facilitated threats that require ransom response coordination alongside — or independent of — your cyber liability policy.

Wrongful Detention Coverage

Protection for employees or executives wrongfully detained by governmental or quasi-governmental authorities in foreign jurisdictions, including legal costs, crisis management fees, and salary continuation.

Hijacking

Coverage for the unlawful seizure of a conveyance — aircraft, vessel, or vehicle — in which an insured person is aboard, including ransom demands and related crisis response expenses.

Crisis Response & Professional Services

Reimbursement for professional crisis response costs: specialist negotiators, security consultants, medical evacuation, psychiatric support, legal fees, and public relations expenses incurred during and after a covered event.