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Kidnap and Ransom

The average ransom demand is $1.15M during kidnap-for-ransom instances

The threat of kidnapping and extortion has dramatically increased, not only abroad, but also at home. Whether it is companies with employees traveling, a family on vacation, or even a domestic threat, it seems these emotional, financial and devastating threats of extortion and detention are all too real.

Burns & Wilcox, a leader in specialty insurance, can provide access to Kidnap and Ransom (K&R) insurance to address the concerns of organizations whose professionals or families are at high risk. Our coverage options can be customized for your clients’ specific needs and are unrestricted worldwide.

Coverage Details and Features


  • Limits up to $5 million
  • Includes reimbursement for money paid for extortion or ransom
  • Includes money for rewards provided for information leading to arrest or conviction of perpetrators
  • Includes medical, cosmetic, psychiatric, or dental expenses following insureds release
  • Includes expenses related to rest and rehabilitation
  • Includes coverage for accidental death or dismemberment
  • Includes coverage for financial loss pertaining to kidnapped employee’s finances
  • Offers immediate access to security consultants and crisis management experts


  • Flexible limits to meet all needs
  • Low minimum premiums
  • Low deductibles
  • Defense costs outside the limit available
  • Can be combined with General Liability Coverage under package policy for many classes
  • Contingent Bodily Injury Coverage and Property Damage
  • Coverage available for many classes

Ask an Expert

What does a kidnap and ransom policy cover?
Kidnap and ransom policies protect against financial losses that arise when an insured is threatened internationally or domestically. Cases can range from traditional kidnap-for-ransom or hostage situations to ship and aircraft hijacks, political detentions or threats aimed at an employee in the workplace.
So kidnap and ransom coverage includes domestic and international risks?
Correct. A kidnap and ransom policy will cover international and domestic threats similarly. For example, a female employee felt unsafe in her Michigan-based workplace because her ex-husband made threats to her. The Michigan company had a kidnap and ransom policy that paid for an in-office security team to protect the woman’s entire workplace from her ex-husband, ensuring her and her co-workers safety should an incident occur. Kidnap and ransom policies can be an important part of risk management for smaller companies too. During the recession, we saw an increase in bank robberies. A kidnap and ransom policy provides protection in a hostage situation.
Who usually requests or purchases kidnap and ransom coverage?
Kidnap and ransom policies are purchased by a variety of individuals and organizations, including high net-worth individuals, hospitals and global organizations. For example, a hospital’s policy would provide coverage when a child is abducted by a parent that doesn’t have custody.



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