Kidnapping and Ransom Insurance

Protect your employees in case of kidnapping when they travel to high-risk countries.

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What are the risks?

Kidnapping and Ransom insurance covers companies (multinationals, SMEs, SMIs, etc.) which operate in high-risk regions or whose activities involve travel abroad.

Regardless of size or industry, any business may face risks of kidnapping and extortion (including threats of death, injury, kidnapping, or threats of property damage).

It is essential to anticipate risks and protect your business and your employees. 
  • Crisis management
  • Corporate Responsibility
  • Financial risks
  • Prevention
  • Reputation risk

Guarantees

  • Ransom repayment
  • Loss of ransom
  • Crisis management consultant fees
  • Costs incurred to deal with the crisis
  • Civil liability
  • Death and disability compensation Evacuation and repatriation
Avion

Our clients

  • All companies have a security obligation towards their employees.
Kidnap & Ransom insurance covers the company and all its employees: expatriates, employees on business trips, local employees, subcontractors and their families.

Our sectors

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

Faits : Un salarié expatrié en Argentine d'une société française est kidnappé dans sa voiture sur la route du travail et forcé de monter dans la voiture des assaillants. Les membres de sa famille contactent la ligne d'urgence mise en place par la compagnie d'assurance. Le service sinistres de la compagnie d'assurance confirme la garantie et deux consultants sont déployés sur place le jour même. Les consultants ont aidé la famille dans les négociations avec les kidnappeurs. La victime a été libérée après le paiement de la rançon de plus de 1 MUSD.

Postes couverts :

  • Paiement de la rançon
  • Frais de consultants
  • Plus de $ 10 000 de frais additionnels

Faits : Signalement de l'enlèvement de la fille d'un salarié d'une filiale du souscripteur au Mexique. Les ravisseurs ont contacté la société et la famille de la prétendue victime avec une demande de rançon de $ 16 000 assortie d'une menace de mort. Le président de la filiale a activé la ligne d'urgence de la compagnie d'assurance. Un consultant a été déployé à Mexico City. La fille du salarié était sortie sans être joignable (vol de son téléphone portable). Aucun enlèvement.

Poste couvert :

  • Frais des consultants $35 000

Contact

Photo of Didier Seigneur

Didier Seigneur

Director of Financial Risks and Credit Department
Photo of Didier Seigneur

Didier Seigneur

Director of Financial Risks and Credit 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.

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