Koosh Insurance · Management Liability

    Kidnap & Ransom

    The executive traveling to a high-risk country who doesn't return on schedule. The extortion threat against the family. The cyber-related ransom demand that includes personal information. Kidnap & ransom insurance covers the response, ransom, and recovery costs of incidents most businesses hope they'll never need — but for executives, family offices, NGO staff, and operations in high-risk regions, the exposure is real and rising.

    See what's covered

    Coverage

    What this coverage includes

    • Ransom payments for kidnap, extortion, and detention scenarios
    • Crisis response services — pre-loss security advisory, incident response coordination, hostage negotiation specialists
    • Medical, psychiatric, and legal expenses following an incident
    • Lost wages and salary continuation during a covered detention
    • Threat response services for credible threats short of actual kidnap
    • Cyber extortion coverage in many forms — ransom demands tied to data or system access
    • Express kidnap coverage for short-duration kidnappings common in some regions
    • Wrongful detention coverage for unjustified detention by foreign governments or non-state actors

    Who Buys This

    Who typically buys this coverage

    • Multinational corporations with executives traveling to higher-risk regions
    • Family offices and high-net-worth families with public profiles
    • NGOs and humanitarian organizations operating in conflict zones
    • Energy, mining, and natural resources companies with operations in challenging jurisdictions
    • Construction and engineering companies on international projects
    • Media and journalists working in conflict areas
    • Private equity and investment firms with portfolio companies in higher-risk regions
    • Universities with study-abroad programs in higher-risk areas

    Why Koosh

    Why Koosh Insurance

    Kidnap & ransom is a specialty line with limited carriers, high-touch crisis management partners, and underwriting that varies meaningfully by region and exposure. It's also one of the lines where the value comes from the response services as much as the indemnity.

    K&R specialty market access — Lloyd's syndicates and specialty carriers with in-house crisis response.

    Crisis response partner integration — Control Risks, Crisis24, and other response firms partnered with K&R carriers.

    Confidentiality discipline — policy structure and client communications that respect required confidentiality.

    Cyber extortion coordination — K&R and cyber liability mapped for the increasingly hybrid threat landscape.

    High-risk jurisdiction expertise — coverage structured for clients with legitimate operations in challenging regions.

    Family and personal coverage — extending to executive families, dependents, and personal travel where appropriate.

    FAQ

    Frequently asked questions

    No. K&R coverage applies globally, including domestic incidents. Express kidnap, extortion, and threats happen in stable jurisdictions as well. Coverage is broader than its reputation suggests.

    That's an active debate. Ransom payment decisions are complex and require careful coordination with crisis-response partners, legal counsel, and applicable regulatory frameworks (including OFAC for any sanctioned actors). The insurance funds professional response, not just payment — policy structures include strict response protocols and crisis-management partners that often resolve incidents through negotiation rather than payment.

    Cyber liability typically covers cyber-specific extortion related to data and system access. K&R covers human-centered scenarios (kidnap, detention, traditional extortion) and increasingly bridges to cyber events. Some modern K&R policies handle both; we map the overlap with the cyber policy.

    Likely not as a top priority, but worth considering for executives with high public profiles, family wealth visibility, or specific threat exposure. For most domestic-only operations, cyber and crime coverage handle the relevant exposure. For executives traveling internationally — even on personal travel — the calculus changes.

    Yes. K&R policies typically prohibit the insured from disclosing the existence of coverage publicly, including to employees, family members beyond the named insured, and third parties. The reasoning is risk management — disclosed coverage can become a target.

    Some K&R policies extend to dependent education expenses and family support during a prolonged incident. This varies by carrier and is worth structuring deliberately for clients with international assignments.

    Related

    Related services

    Directors & Officers (D&O)

    Protection for executives and board members against management decisions.

    Employment Practices Liability (EPL)

    Wrongful termination, discrimination, harassment claims.

    Cyber Liability

    Cyber threats, data breaches, ransomware, and network security incidents.

    This page provides general information about Kidnap & Ransom insurance and is not a substitute for tailored advice from a licensed insurance broker. Coverage availability, terms, exclusions, and pricing depend on your specific business operations, location, claims history, and carrier underwriting. Contact a Koosh Insurance broker for a personalized consultation. Koosh Insurance — License #L135215.

    Get a quote for Kidnap & Ransom

    Talk to a licensed Koosh broker. We'll review your specific situation, source quotes from appropriate carriers, and walk you through the coverage that actually fits your business.

    (954) 309-3900
    service@koosh-ins.com
    4491 S State Rd 7, Suite 202, Davie, FL 33314