Kidnap & Ransom

Immediate access to specialist response consultants.

The impact of a kidnap or similar event can be enormous and it is essential that it be handled in the correct way. It is extremely traumatic for those involved, and an organization dealing with an incident may face huge losses from ransom payments, business interruption, litigation, adverse publicity and long-term damage to reputation. 

Having worldwide exposure means that your exposure to kidnap, detention and extortion is higher than other organizations and it could be argued that having insurance in place for this risk is a prerequisite of doing business in some countries. 

Our comprehensive solution helps our clients to reduce their exposure to the threat. We assess our client’s needs and work together on providing a solution which is appropriate and includes tailored coverage wording and guaranteed and unlimited access to specialist response consultants. The response consultants not only help when things go wrong but they also work with clients to ensure protocols are in place to mitigate the risk as much as possible.

Features and Benefits

  • As the nature and severity of crises is constantly changing, we find it important to protect and assist the insured with a best-in-class crisis, prevention and response consultancy; NYA International Limited (NYA).
  • Limit of liability is per insured event and not limited in the annual aggregate.
  • No deductible applicable.
  • Coverage for Insured Persons and Relatives around the clock, whether business related or otherwise.
  • Guaranteed and immediate access to specialist response consultants who advise on the complex and sensitive issues that need to be addressed in order to obtain the safe release of the victim. The fees and expenses of the response consultants are unlimited following an insured incident.
  • Crisis consultants available 24-hour -a-day, 7-days-a-week, solely dedicated to crisis management claims.

Who is it for?

All businesses and high net-worth individuals, particularly those that are traveling in Africa, Central America and the Middle East.

What is covered?

  • Ransom/extortion payment.
  • Loss in-transit of payment.
  • Unlimited security consultants expenses.
  • Death or dismemberment benefits arising from a covered incident.
  • Judgments, settlements and defence costs.
  • Additional expenses (travel, medical, rest).
  • 24 hour emergency response help line.


  • Threat response cover.
  • Express kidnap cover.
  • Disappearance coverage.
  • Host Crisis cover.
  • Evacuation and Political Repatriation cover.
  • Business Interruption.

Kidnap and Ransom policies are short-term products and are underwritten by AIG South Africa Limited, FSP No: 15805