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Kidnap & Ransom Insurance

The risk of extortion, kidnapping, ransom, hijacking, and illegal detention is a genuine risk for many international businesses. Oil company executives, multinational executives, high-net-worth individuals, and celebrities are vulnerable, and the consequences of an attack can be catastrophic.

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At Park Insurance, we have experience dealing with conflict insurance, political violence and war risks insurance and kidnap and ransom insurance.


What is kidnap & ransom insurance, and why is it important?

Kidnap and ransom insurance provides access to specialist crisis response consultants and covers associated costs, including negotiation support, legal advice, and (where legally permissible) ransom reimbursement. The emphasis is on safety and securing a positive outcome for those at risk, as well as protecting you from the potential financial loss incurred in attempting a rescue.

Who needs kidnap and ransom insurance?

Specialist insurance is a sound financial choice for anyone working in high-risk locations, countries that have a reputation for volatile and often violent political uprisings, and war zones. K&R insurance can be arranged for both businesses and individuals.

Sadly, kidnapping and ransom situations are not confined to the movies. In some parts of the world, especially in remote locations and combat zones, it can be a very real threat. Undeniably, it has a significant impact on individuals, but it is also expensive for the businesses affected.

However, kidnapping is not just restricted to areas of conflict and known targets. It happens all over the world, and the victims are not always necessarily ‘high value’ targets. Resolution strategies vary depending on the circumstances and are managed by specialist response teams.

Your company could benefit from Kidnap, Extortion and Detention Coverage if you:

  • Operate overseas
  • Send executives, employees or representatives overseas on business
  • Conduct business in high-risk territories
  • Are involved in the aviation, oil, energy, construction, banking, telecommunications, utilities, mining or manufacturing industries
  • Are involved in reconstruction projects in conflict or post-conflict zones.

What does Kidnap & Ransom insurance cover?

K&R insurance provides financial cover for a number of different scenarios, including:

  • Extortion – If you or your business is being held to ransom through extortion, including DoS attacks and cyber extortion, K&R insurance can provide financial reimbursement for ransom payments, where legally possible, along with associated professional fees.
  • Kidnapping and disappearance – The financial cost of tracking and recovering a missing person or kidnap victim can be extremely high, especially if this includes payment of a ransom for safe recovery. Kidnap insurance provides a financial net to help your business recover from the cost.
  • Hostage crisis – Once a highly volatile hostage situation has been resolved, the costs can impact your business. Insurance can help to restore your financial stability by covering the costs of crisis management, negotiation support and the safe recovery of hostages.

The different types of policies to consider

If your business operates in high-risk locations or has high-value individuals who may be a target for kidnappers, then it may be worth considering including kidnap insurance in your portfolio. Cover will often include hijack, kidnap, detention and bodily harm cover as well as threats, property damage and product damage. At Park Insurance, our policies can be tailored to reflect the risks that your business and your team face.


Business cover vs cover for individuals

Kidnap insurance falls primarily into two categories – business coverage and individual policies. If you have key personnel who travel to high-risk areas, individual cover will provide financial protection in the event they are kidnapped and ransomed. If you and your team operate extensively in hostile or politically unstable locations, a wider-ranging policy covering your entire business may be more suitable.

Some policies may include cyber extortion cover, although this is sometimes arranged separately under dedicated cyber insurance. Some policies may also include business interruption losses resulting directly from a covered incident.

How much does it cost?

Ransom insurance costs are based on a variety of different factors, including the type of cover required, your area of operation and business, and whether you’re looking for a policy that covers multiple people or specific individuals. Your Park Insurance broker is here to help you find the right type of insurance for your needs and your budget, without including any unnecessary extras.


What optional extras are available?

K&R insurance can be tailored to your needs and includes optional extras such as emergency political evacuation and repatriation, threat and assault, and, importantly for businesses whose operations are affected by kidnapping and ransom demands, business interruption.


Park Insurance – part of your team

For over 30 years, Park Insurance has been working with individuals and businesses to provide specialist insurance tailored to your needs and budget. We understand how sensitive ransom insurance can be, so we offer discreet and confidential support.

From single-trip cover for individuals to a policy that covers your business and your team globally, we use our position as preferred brokers to some of the UK’s largest insurance providers to source the right cover for you.

Call us today for a confidential conversation and find the best cover for your people and your business with kidnap and ransom insurance from Park.

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Give us a call on 0117 301 8507 or click on the button below and we will be happy to contact you to discuss your needs.

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Park Insurance Services Ltd
323 Church Road
St George
Bristol
BS5 8AA

Tel: 0117 955 6835

Email: info@parkinsurance.co.uk

Park Insurance Services Limited is authorised and regulated by the Financial Conduct Authority under FRN 998383. You may check this on the Financial Services Register by visiting the FCA website. Park Insurance Services Limited is registered in England and Wales (company number 13091532). Registered address: 323 Church Road, St. George, Bristol, England, BS5 8AA.