Kidnap & Ransom Insurance

Specialist risk insurance broker providing Kidnap & Ransom insurance.

A speciality crime coverage that protects against financial losses that arise when an insured is threatened with kidnap, extortion or illegal detention domestically or abroad.

Will provide financial protection and crisis management in the event of kidnap, hijack, extortion and wrongful detention.

Is particularly important to individuals and companies who travel to, or work in, high-risk countries and extreme environments. Those who are financially secure are particularly at risk.

By taking out Kidnap and Ransom Insurance, you have access to quick and practical crisis and financial support in threatening, dangerous situations, giving you peace of mind.

  • Award Winning In-House Claims Team
  • Lloyds of London Commercial Broker
  • Independent Broker Since 2001

The Covers We Offer

SJL Insurance Services can offer support quickly and effectively in a hostile situation. This means that we can provide crisis management and financial support to help resolve threatening situations quickly and assist in the safety of those involved.

We build tailored policies for businesses and individuals, meaning you will only pay for the cover you require. Our expert team has extensive insights into the risks involved across different countries and locations and can offer you professional advice surrounding your individual situation.

If you would like to find out what else we cover, please call us on +44 (0)1905 27775 or email [email protected]

Some covers are stated as all heads of cover, this means the ransom reimbursement/loss of ransom in transit/response consultant costs/additional expenses/personal accident/legal liability covers are all available.

Professional Indemnity: Professional Indemnity Insurance refers to protection against incorrect or inadequate advice and services that you give. Unfortunately, any business can produce work resulting in both financial and reputational loss for their client and this is sometimes only uncovered long after the contract is completed. In this instance, your company can be held responsible which is when Professional Indemnity Insurance supports your business. At SJL Insurance Services, we provide insurance that can cover expenses, legal fees and pay outs incurred should an allegation be made against you by a client for providing an inadequate service.

Read more about Professional Indemnity Insurance


Where a ransom is demanded by an individual or group who threaten to carry out one of a set list of crimes against the company if said ransom is not paid – all heads of cover

Business Interruption

Reimbursement cover for loss of a company’s reasonably forecasted income which was not earned as a direct result of a covered incident.

Child Abduction

Response consultant costs and additional expenses cover following the actual or alleged abduction of a child from the custody or care of the insured, and whilst on a company premises

Tiger Kidnapping

An event where an individual or group hold any person hostage and also make a (typically non-financial) demand against you that must be met in return for the release of the hostage – all heads of cover, lower limits


Response consultant costs following the complete and unexpected loss of contact with an insured person for a period of more than 36 consecutive hours, commencing from the last confirmed contact with the insured person

Cyber Extortion Business Interruption

Cover for if the business is interrupted through cyber extortion, this may also be covered within a Cyber Insurance policy

Product Recall Expenses

Cover for recalling products as a result of ransom demands


the actual, attempted or alleged illegal taking and detention of any insured person by an individual or group demanding that a ransom is paid by you before they will release the insured person. –  all heads of cover


Cash, goods or services paid or to be paid by you or on your behalf to meet a demand made as part of a kidnap or extortion event


The illegal detention, other than kidnap, of an insured person while travelling on any form of public or private transportation – all heads of cover


While this is under the same definition as Hijack, Piracy is a term is more commonly used regarding marine cargo

Illegal Detention

The holding under duress for more than 6 consecutive hours by an individual or group of an insured person )other than as part of a kidnap, hijack, disappearance investigation, or hostage crisis) – all heads of cover

Discover What We Have To Offer

We can insure any type of business, and our expertise ranges from property and commercial risks, to kidnap and ransom. Literally any type of business, in any sector, anywhere in the world.

Our expert brokers have access to a huge array of insurance products ensuring they can find the best insurance policy for you. They get to know your individual needs and provide the best possible insurance solution for you. You will be provided with an allocated account and claims manager.

Our full list of Policies can be found on our services page.


Kidnap and Ransom Insurance might not seem necessary, but if you travel for work or work in a location with a reputation for violence, kidnap and extortion, it can be a very real threat.

SJL Insurance Services can support you and your business should you come into trouble, through extensive knowledge, expertise, crisis management and financial protection.

These situations can be incredibly traumatic, dangerous and threatening to both people and the financial security of your business.

Kidnap and Ransom Insurance can help protect individuals and businesses from:

  • Extortion
  • Business Interruption
  • Child Abduction
  • Tiger Kidnapping and Disappearance
  • Cyber Extortion business interruption
  • Product Recall Expenses
  • Kidnap
  • Ransom
  • Hijack
  • Piracy
  • Illegal detention

If you are concerned at the risk of kidnap, extortion and wrongful detention and are due to travel to a high-risk country, speak to our experts today.



Kidnap and ransom insurance policies typically include the following features and benefits:

  • The reimbursement of financial losses associated with a kidnap for ransom, extortion, illegal detention, hostage situations and hijacking incidents – both domestically and abroad
  • Risk mitigation and security strategies for individuals and corporations
  • For international risks, most policies will include safe travel advice and training

Some insurance carriers also offer insurance coverage extensions like:

  • Emergency evacuation or repatriation
  • Business interruption
  • Child abduction
  • Tiger kidnapping and disappearance
  • Cyber extortion business interruption
  • Product recall expenses

Insureds are advised to consult with their brokers to determine their risk profile and exactly what coverages they might need.


Kidnap and Ransom Insurance is most applicable for those who work in high-risk locations as part of their job or travel. Those who travel to, or work in, environments that can be hostile are most likely to be targeted, especially those who are known for being financially secure.

Businesses and individuals who typically require Kidnap and Ransom Insurance include:

  • High net worth individuals
  • Sports, media, entertainment personalities
  • Oil and gas companies
  • Mining and extractive industries
  • Construction companies
  • Pharmaceutical companies
  • Telecommunication companies
  • Financial institutions
  • Security companies


The key areas for kidnapping are Central and South America, Mexico and Africa, but there are a number of places deemed high-risk if you travel for business or work in as an expat.

There are a number of countries that you should consider additional security for when travelling to, but the following are considered the most high-risk locations. If you are travelling to or working in any of these countries, then Kidnap and Ransom Insurance is highly recommended.

  • Venezuela
  • Nigeria
  • Ethiopia
  • DRC
  • Columbia
  • Iraq
  • Afghanistan
  • The Philippines
  • India
  • Brazil
  • Haiti
  • Mexico

If you’re not sure if Kidnap and Ransom Insurance is required for somewhere you are travelling to, speak to our experts who can advise you on the cover you need.


At SJL Insurance Services, we build bespoke policies to suit the needs of the individual business. The level of cover required, the country and or location of travel, and plus the security risks and security provided in the country will determine the cost of your policy.

Our teams at SJL will work with you to build a tailored kidnap and ransom insurance policy that suits your requirements. To find out what cover you might need, contact us today to speak to an expert.

Get a Kidnap & Ransom Insurance quote for the cover you need,
and have peace of mind knowing that you're protected.

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