
Kidnapping and Ransom Insurance
Protect your employees in case of kidnapping when they travel to high-risk countries.
Quels sont les risques ?
L'assurance Kidnapping et Rançon couvre des sociétés (multinationales, PME, PMI,...) qui opèrent dans des régions à haut risque ou dont les activités impliquent des déplacements à l'étranger.
Quelle que soit sa taille ou son secteur d'activité, toute entreprise peut être confrontée à des risques d'enlèvements et d'extorsion (y compris les menaces de mort, de blessure, d'enlèvement ou les menaces de dommages aux biens).
Il est indispensable d'anticiper les risques et de protéger votre entreprise et vos salariés.
- Gestion de crise
- Responsabilité de l'entreprise
- Risques financiers
- Prévention
- Risque de réputation
Les garanties
- Remboursement de la rançon
- Perte de la rançon
- Frais de consultants en gestion de crise
- Frais engagés pour faire face à la crise
- Responsabilité civile
- Indemnité décès et invalidité
- Evacuation et rapartriement

Our clients
- All companies have a security obligation towards their employees.
Why choose Howden?
- Understanding your challenges: precise knowledge of your business sector and the risks to which companies are exposed
- Global approach: An approach that integrates advice, investment, management, and support in case of claims.
- Expertise: a team of Kidnap & Ransom Insurance specialists integrated into our customers' service teams at all times
- Responsiveness & Availability: Teams who are experts in their respective fields. The individual experience of each is at your disposal to manage your exposures and optimise your insurance cover.
- Support at all stages of your development From the initial funding to your international development, all the way to going public on a French or foreign market.
- Adaptation & Network: local expertise through our regional offices and access to our integrated international Howden One network present in over 100 countries
- Defense of yours interest s : a commitment to short settlement times, a solid legal approach to guarantee the protection of your rights and interests, a network of specialised claims managers in France and abroad
Examples of claims
Facts: An expatriate employee of a French company working in Argentina was kidnapped from his car on the way to work and forced into the assailants' car. His family contacted the emergency line set up by the insurance company. The insurance company's claims department confirmed the cover and two consultants were deployed on site the same day. The consultants helped the family to negotiate with the kidnappers. The victim was released after the ransom of over 1 MUSD was paid.
Items covered :
- Ransom payment
- Consultancy fees
- More than $10,000 in additional costs
Facts: Report of the kidnapping of the daughter of an employee of a subsidiary of the underwriter in Mexico. The kidnappers contacted the company and the family of the alleged victim with a ransom demand of $16,000 and a death threat. The branch president activated the insurance company's emergency line. A consultant was deployed to Mexico City. The employee's daughter had gone out but could not be contacted (her mobile phone had been stolen). No kidnapping.
Item covered :
- Consultant expenses $35,000
Contact

Didier Seigneur

Didier Seigneur
Director of Financial Risks Department
With over two years' experience at Gerling America Insurance CY in New York, specializing in Liability underwriting, Didier later joined Aon Mergers & Acquisitions Paris as Deputy Director, driving the growth of Insurance Warranty and Tax Opinion products. Progressing to AIG Europe Limited France in 2002, he assumed various management roles in Financial Risk guarantees. In 2010, he took the helm as Director of AIG France's Financial Risks division, extending his leadership to Belgium, Luxembourg, and the Netherlands in 2014.
In 2014, he ventured into entrepreneurship and played a key role in acquiring CRF Assurances. Seven exciting years later, Didier now thrives as Deputy General Manager of CRF Assurances and Director of Financial Lines at Howden France.