Skip to main content

Kidnap, Ransom and Extortion

Kidnap, ransom and extortion is becoming a much more common and serious threat for companies and individuals operating at home and abroad.

In high-stakes situations like these, the need for focused expertise and reliable protection is critical.

A calm, considered partner in a crisis

Our kidnap, ransom and extortion coverage is available for any type of company or high-net-worth individual who’s looking for protection and peace of mind.

We don’t just offer clear-sighted guidance on how to prevent these events from happening. We also provide policyholders with access to a leading international crisis response firm when the unexpected strikes.

Why get this coverage?

See how it can help you deal with the fallout from kidnapping, random or extortion. And ultimately, make a stressful situation far more manageable.

Woman with glasses looking at phone outside at night

Top 15 tips for managing risk abroad

Traveling overseas can throw up a world of risks. Thankfully, we've found a way to condense the chaos into a simple set of advice.

Two figures in professional clothing walking through an airport with luggage

Agent/broker resources

Limits: Up to $65 million

Minimum premium: $1,000 

Deductible: No retention or deductible

Availability: In all 50 states and DC (non-admitted in SD and WA).

Target risks: Organizations of any type and size including private companies, public companies, academic institutions, hospitals, non-profits, engineering firms, NGOs, houses of worship, tech firms, and high net worth individuals and families.

Program features:

  • Unlimited fees for services provided by Control Risks for insured events
  • Worldwide coverage with separate limits for ransom, transit, additional expenses, legal liability and personal accident
  • Annual, trip or multi-year policies available
  • 10% of annual premium available towards loss preventative security services offered by Control Risks - pre-approval by underwriter required.
  • Additional expenses covered such as: medical expenses, psychiatric care, temporary workers, rest and rehabilitation and public relations consulting
  • Enhancement options available to a wide range of risks including academic and healthcare
  • Exclusive endorsement available with increased coverages

Who is covered?

  • All directors, officers and employees of insured
  • Family members (including spouse, domestic partners, extended family) 
  • People who reside in the insured person's household
  • Guests in the home of insured person
  • Guests and/or customers of assured on insured's premises or in insured's transport
  • The person negotiating and delivering ransom

What events are covered?

  • Kidnap: An actual or alleged kidnapping of an insured person for ransom
  • Extortion: Threat to assured and/or insured person(s) for demand of ransom, including threats against the insured person, property, trade secrets, and computer data
  • Products extortion: Threat to assured's products for demand of ransom
  • Detention: Holding under duress of an insured
  • Hijack: Any aircraft, motor vehicle, railroad train, or waterborne vessel on which the insured person is traveling

What losses are covered?

  • Ransom (up to full policy limits): Includes cash and/or marketable goods surrendered by or on behalf of the insured in connection with an insured event
  • Transit (up to full policy limits): Includes damage, destruction, disappearance, confiscation or wrongful abstraction of ransom while being delivered
  • Legal liability (up to full policy limits): Includes those costs incurred as a result of any action for damages brought by or on behalf of an insured person as a result of an insured event. Defense costs are in addition to the limit of liability
  • Personal accident ($250,000 per insured/$1,250,000 aggregate): death, loss of limb, loss of sight, loss of extremity, or permanent total disablement of insured person as result of insured event
  • Additional expenses (up to full policy limits)

Download the Kidnap, Ransom & Extortion coverage highlights sheet

To obtain a copy of our Kidnap, Ransom & Extortion policy form, please contact:

Sarah Katz
(301) 961-9898

To help you and your clients understand and overcome risks, Victor Risk Advisory offers rock-solid industry insights, risk mitigation resources and much more.

Contact the kidnap & ransom team directly at or connect with your business development contact.

Policyholder resources

To get a quote, please submit a completed application through your existing insurance broker. Your insurance broker will then work with our underwriters to provide you with a quote.

If you need assistance in securing an insurance broker, you can use our find an insurance agent/broker tool

To find the right application, please select the solution you’re interested in under “Solutions” and head to the “Applications” section of that page.

In the event of a claim, please refer to your policy's declarations page for instructions.

The world is changing at an unprecedented pace. And complex new risks are emerging every year.

To help you understand and overcome these challenges, Victor Risk Advisory offers rock-solid industry insights, risk mitigation resources and much more.

All your coverage questions answered in minutes

What are our policy’s key features? Who’s covered? What events does it insure? What about the losses? Checkout our program highlights. 

Managing risks far from home

The more you travel, the higher the risk of kidnap, ransom and extortion. See how businesses can stay safe wherever they go.

Woman typing on a laptop with orange nails

Discover our other solutions

Our wide range of solutions provides protection on more fronts. No matter how complex, no matter the scale, we strive to leave no stone unturned in covering our clients.

Automotive Dealerships

Targeted, rounded solutions that keep pace with the automotive industry’s emerging risks.

Builders Risk

Protects buildings under construction from fires, theft, natural disasters and much more.

Business Owners Policy

Specialty insurance for small and midsize businesses, covering essentials like property damage and business interruption.

Contractors Equipment

Broad inland marine coverage for direct physical damage and loss to mobile machinery and equipment used for construction projects and other activities.


Designed for a whole host of cyber threats, such as cybercrime, system damage, business interruption and even court attendance costs.

Design, Construction & Consultants

Far-reaching and flexible solutions for design and construction professionals. Includes professional liability; errors and omissions and property and casualty.

Developers Errors & Omissions

Protects against the complex risks that come with real estate development services. Offers the flexible coverage developers need to navigate today's risk landscape.

E&S Property and General Liability

Excess and Surplus coverage for unique and hard-to-place risks. Available to a broad appetite across several industries.


Protects against major damage to homes, businesses and personal property caused by floods. Includes an industry-leading, web-based flood portal and access to real-time flood policy insurance.

Forest & Logging

Competitively priced coverage for property, general liability, including loggers broad form property damage, commercial auto, inland marine and umbrella coverage.

General Liability

From artisan contractors to fitness instructors, we offer essential and comprehensive protection against injury, illness and property damage for businesses.

Kidnap, Ransom & Extortion

Available to practically any type of company or high net worth individual. We provide guidance on predicting and preventing these events - plus access to a leading international crisis response firm.

Miscellaneous Professional Liability

Protects against claims arising from professional malpractice. Covers a breadth of industries from advertising to surveyors, with limits up to $5m.

Non-Profit Management Liability

Protects non-profits' directors, employees, volunteers and more from a wide selection of risks. These include directors' and officers' liability, employment practices liability and other vital coverages.

Private Company Management Liability

Privately held organizations are vulnerable to a whole host of allegations. Our program provides D&O, EPL and several other essential coverages to help protect private companies.

Public Entities

We have a wealth of experience working with cities, counties, special districts, schools and colleges across the US. We're focused on providing underwriting and administrative services to public entity pools – and helping retail insurance brokers in finding markets for their public entity and school clients.

Real Estate Errors & Omissions

Real estate transaction risks are always on the move. Our insurance keeps up with flexible coverage for real estate agents, brokers, appraisers and more.


If you're a small to midsize US insurer, we offer a number of programs to support your risk portfolio. With first-rate financial strength ratings, you know you're in safe hands.

Workers' Compensation

Top-tier wage replacement and benefits for employees who've been injured at work. Features super reactive claims services and limits of up to $1m.