Kidnap, Extortion, and Security Risks

At Total Risk Managers, we specialize in reinsurance solutions for the complex and evolving risks of kidnap, extortion, and security threats. We collaborate with insurers to provide robust coverage for clients operating in high-risk environments or industries where safety and security are paramount.

Comprehensive Reinsurance Solutions

Our expertise covers a wide range of security-related risks, ensuring insurers can offer tailored policies that protect individuals, organizations, and assets from financial loss and reputational damage. Key areas of coverage include:

Kidnap and Ransom (K&R)

We offer reinsurance solutions that provide comprehensive financial protection for incidents involving kidnapping and ransom demands. This includes coverage for ransom payments, associated costs such as medical or legal expenses, and access to specialized crisis response teams. These expert teams work discreetly to negotiate with perpetrators, ensure the safe return of the victim, and provide psychological support to affected individuals and their families during and after the incident.

Extortion Protection

Extortion threats can severely disrupt operations and endanger individuals. Our reinsurance solutions cover financial losses stemming from various forms of extortion, including threats to harm individuals, damage assets, or disrupt business operations. This coverage ensures that insurers can offer policyholders the resources needed to manage such threats effectively, including expert advisory services to minimize risks and protect both human and material assets.

Threat Response

When active threats arise, timely and expert intervention is critical. We provide reinsurance that supports insurers in offering their clients access to professional negotiators, security consultants, and risk management specialists. These experts are equipped to de-escalate volatile situations, develop strategic response plans, and safeguard both individuals and organizational interests. Coverage also includes consultation services to help businesses implement enhanced safety measures and ensure operational continuity.

Emergency Evacuation

In high-risk situations such as political unrest, natural disasters, or targeted security threats, immediate evacuation may be necessary to ensure the safety of individuals. Our reinsurance solutions cover the costs and logistics of arranging safe relocation, including transportation, accommodation, and support services. This ensures insurers can provide their clients with the peace of mind that their personnel and operations are protected, no matter where they are located globally.

We leverage our extensive global network to help insurers address the diverse requirements of multinational clients while ensuring compliance with local regulations and cultural sensitivities.

Our reinsurance solutions address the unique needs of various sectors, but not limited to:

Energy and Natural Resources: Protecting personnel and assets in remote or politically unstable locations.
Corporate Enterprises: Ensuring executive safety during travel or in high-profile roles.
Non-Governmental Organizations (NGOs): Supporting organizations operating in conflict zones or areas with elevated security risks.
High-Net-Worth Individuals: Offering tailored protection for families, residences, and personal assets.

Why work with us

Global Reach

Our extensive network ensures access to top-tier coverage and capacity, wherever your operations take you.

Industry Expertise

Decades of experience and deep insight into the unique challenges faced by complex and high-stakes industries.

Customized Solutions

Every policy is carefully tailored to meet the precise needs of your specific project, operation, or enterprise.

Proactive Risk Management

We help you anticipate and mitigate potential risks before they become critical issues.

Partner with us

At Total Risk Managers, we combine specialized knowledge, market access, and crisis response expertise to help insurers provide comprehensive solutions for kidnap, extortion, and security risks.