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Imagine the overwhelming feeling of freedom and sheer joy that would be felt upon the release of a kidnap victim. Now imagine the terror upon the realization that you are without insurance.
Your company or family may have had to pay a large ransom and purchase specialized phone equipment. They may have also had to hire security protection and a negotiator. All of these expenses were only made possible by liquidating all assets.
The kidnap victim faces an overwhelming amount of debt. To rejoin society, they may need extensive psychiatric counseling and rehabilitation.
Kidnap and Ransom Insurance has been developed to reimburse the policy owner for the expenses incurred with a kidnapping.
A policy owner will apply for coverage to protect against a loss caused by a kidnapping or an extortion. The policy owner may apply for benefits up to their personal or corporate net worth. The policy owner must pay the ransom if a kidnapping occurs. They will then submit a claim to be reimbursed for the expenses.
One of the most beneficial parts of the plan is the unlimited expenses for the Crisis Response Team. The Crisis Response Team has worldwide knowledge about negotiations in each specific location.
Example: A production company is shooting a documentary project that takes place in Iraq. Kidnap and Ransom coverage for the cast & crew is very important.
They are being deployed and the concern of war and terrorism must be taken into account. Film Emporium was able to package their needs to include coverage, insuring their rented equipment, and foreign liability. This was all done on a short-term, project-specific basis.