Insuring the real threat of K&R

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Kidnap, Ransom & Extortion Insurance

In today’s increasingly perilous and unpredictable social and political environment, organizations conducting business globally have a duty to protect their employees and their families, including from the risk of kidnapping, ransom and extortion. This requires an experienced insurance partner with the breadth and depth of Kidnap, Ransom & Extortion (KR&E) coverage and crisis management services required to step in. Our program is designed to protect employees and their families worldwide while traveling for and conducting business.

The threat of kidnapping is real worldwide, with an estimated 15 countries recording cases of $25 million or more in ransom demands in recent years. However, the costs can go beyond just financial. Kidnappers may refuse to negotiate and use excessive violence to achieve their aims.
Additionally, there has been a rise in express kidnapping where a small immediate ransom is demanded, often by the victim being forced to withdraw money from multiple ATM accounts before left on the street and told to leave the country.

Employees and their families are often victims of threats, extortion, wrongful detention, and disappearance. Or, they find themselves in perilous security conditions where they need assistance in evacuation.

With our program, your insureds will have a partner ready to manage negotiations, liaise with law enforcement agencies, arrange for delivery of ransom funds and ensure the safe return of the employee.

Who We Protect

  • Manufacturers
  • Wholesalers
  • Educational Institutions (Colleges/Universities, K-12 public, private and charter schools)
  • Non-Governmental Organizations and Non-Profits
  • Churches and Mission Groups
  • Consulting Services
  • Artisan Contractors
  • Engineers

What’s Covered

  • Kidnapping or Alleged Kidnapping for Ransom
  • Bodily Injury Extortion
  • Property Damage Extortion
  • Trade Secret Extortion
  • Computer Virus Extortion
  • Product Extortion
  • Detention
  • Hijack

Extensions Available:

  • Emergency Evacuation
  • Recall and Destruction
  • Business Interruption
  • Loss of Product
  • Threat Expense
  • Child Abduction

What’s Paid

  • Ransom Amount
  • Loss In Transit
  • Crisis Management Expense
  • Personal Accident
  • Legal Liability

Broad Additional Expenses

  • Consulting Fees
  • Travel and Accommodation
  • Salary Reimbursements
  • Reward
  • Personal Financial Loss
  • Interest on Loans
  • External Security
  • Rest and Rehabilitation
  • Psychiatric Care
  • Medical Expense
  • Job Retraining

Services Provided

  • Direct independent investigations
  • Handle negotiations
  • Arrangement and delivery of funds
  • Reimbursement of costs associated with a kidnap for ransom
  • Access to travel risk information and safe traveler training


Kidnap & Ransom Application

Please complete the application and send to:

Our Program Team

Our staff is ready to help you with underwriting and marketing support.

Carol Dougherty

AVP, Sr. KRE Underwriter

Direct: (707) 981-4366
Mobile: (215) 901-4027

Marketing Resources

We’ve created at-an-glance flyer for our International Insurance program you can share with your staff as well as a Tangram Program Guide for an overview of all our programs and products.

Additional information is available here:

Sanctioned Programs & Country Information
DOL Longshore DBA

Program Footprint

Where We Are

Not Available

Ready to Learn More?

Located across the Golden Gate Bridge, just outside of San Francisco, Tangram is a full-service Managing General Underwriter and Program Manager offering specialty programs. We focus on industry-relevant coverage, competitive pricing, and practical business and risk management solutions for your clients. Since we are not all things to all people, we make sure to create outstanding custom-built solutions that matter to those businesses, and the brokers who serve those industries.

Every day we work on making life easier for you. Whether it’s the submission process, delivering quotes, or servicing accounts – we are determined to break new ground. We are constantly building so we can constantly help you build.

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