kidnap

Hiscox Special Risks

Kidnap and Ransom

Hiscox Special Risks

Kidnap and Ransom

What is Kidnap and Ransom insurance? 

A  Kidnap and Ransom policy is a necessity for organizations and individuals worldwide, and provides protection against a variety of security risks including threats and extortions against people, property and propriety information. Many organizations lack the resources and personnel to quickly and professionally respond to threatening situations. We help companies face their legal duty to exercise reasonable care in providing a safe workplace. 

Appetite
  • Business/Organizations - All sizes that are at risk for threats, extortions, kidnaps, or whose employees travel nationally and internationally, as well as for businesses with offices overseas.  

  • Academic Special Protection Solution - Public and private K-12 schools, universities, colleges and academic institutions, including those with day-care facilities. Unique in the marketplace, Hiscox covers study abroad programs and on campus violence.  

  • Hospital Special Protection Solution - Coverage includes child abductions by a non-custodial parent for all healthcare facilities.  

  • Houses of Worship Special Protection Solution - Coverage includes threats, disappearances, travel evacuations and assaults for religious facilities.  

  • Television and Film Special Protection Solution – For studios and production companies. Hiscox coverage includes threats, disappearance, assault, business interruption and emergency relocation and can extend to all cast and crew.  

  • Personal Special Protection Solution - For high net worth individuals and high risk families who travel nationally and internationally.

Coverage & Benefits

Solutions that protect against industry specific threats for various classes: 

  • Threats to: Kill or injure, Damage property, Divulge confidential or propriety information
  • Kidnaps for ransom  
  • Extortion  
  • Hijacks  
  • Express kidnaps  
  • Child abductions  
  • Hostage situations  
  • Unlawful incarcerations by foreign governments  
  • Security related evacuations  
  • Disappearances of insured persons  
  • Individuals or organizations declared persona non grata

Covered losses may include: 

  • Expenses for: temporary security measures, psychiatric and medical care, legal advice, public relations, personal financial loss, travel and accommodation costs reward monies, salaries of victim and replacement personnel rest, rehabilitation 
  • Legal liability 
  • Loss of revenue 
  • Death or dismemberment benefit 
  • Fees and expenses of Control Risks security consultants 
  • Ransom monies 
  • Additional reasonable and necessary expenses 
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Related products

Package Kidnap and Ransom insurance with the following products: Management Liability and Crime

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Claims scenarios 

Not sure what risks our product covers? We’ve brought some scenarios to life.

Threat response – United States

The receptionist at a small service company receives a call from a disgruntled customer. The caller threatens to blow up the office. No demands were made or response was requested by the caller.

Threat response – United States

The receptionist at a small service company receives a call from a disgruntled customer. The caller threatens to blow up the office. No demands were made or response was requested by the caller.

Express kidnap - Mexico

An American executive of a medium-size organization traveling in Juarez was grabbed while walking to his hotel. He was driven to an ATM machine and forced to take out money before being stripped of his personal possessions. The kidnappers held him overnight and forced him to withdraw more money before they released him. 

Express kidnap - Mexico

An American executive of a medium-size organization traveling in Juarez was grabbed while walking to his hotel. He was driven to an ATM machine and forced to take out money before being stripped of his personal possessions. The kidnappers held him overnight and forced him to withdraw more money before they released him. 

Extortion - India

An executive of a medium-sized technology company received an email that his children were going to be kidnapped unless a ransom demand was met. The perpetrator demanded $100,000 to be dropped off at a specific location.

Extortion - India

An executive of a medium-sized technology company received an email that his children were going to be kidnapped unless a ransom demand was met. The perpetrator demanded $100,000 to be dropped off at a specific location.

Risk management

We partner with leading risk management services to ensure our clients have support and guidance, in addition to exceptional coverage.

Control risks

Control Risks

Since 1975, Control Risks has advised Learn more about clients on the resolution of more than 2,600 cases of extortive crime in 129 countries.

Learn more about Control Risks.

Key contacts

Kevin Henry
VP, Product Head – Kidnap and Ransom