Kidnap & Ransom (K&R) Insurance

The policy reimburses ransom amounts paid (or attempted), expenses related to crisis response (negotiators, travel, legal support), medical treatment, psychological counselling, and post-incident care. It also covers loss of ransom in transit, extortion threats, workplace violence incidents, and detention in foreign jurisdictions. Response services from expert crisis management teams are a key feature and are activated discreetly in the event of an incident.