Keeping You Covered Through Crisis

If you’re living in a high-risk area, you want to do everything to feel protected. At VANTREO, we partner with the world’s leading carriers to offer the right K&R insurance for you. And we provide mentoring and support to help you avoid ever having to use it. Get safer with smarter insurance.

What does it cover?

Kidnap, Ransom & Extortions insurance (K&R) is designed to protect individuals and corporations operating in high-risk areas around the world. The policy reimburses policy insureds for property or other consideration surrendered as a kidnapping ransom payment. It also pays for certain expenses incurred in dealing with the kidnapping. If an insured under the policy makes an extortion payment to mitigate or remove a threat, the policy is designed to reimburse costs.

In addition, K&R policies generally include cyber extortion coverage, political threat coverage, ransom delivery, and product recall coverages. This insurance generally also covers the death, dismemberment, and permanent total disablement of a kidnapped person. They also typically pay for the fees and expenses of crisis management consultants who provide advice to the insured on how to best respond to the incident. The policies may be written to cover families and corporations. Some policies include kidnap prevention training. Criminal gangs are believed to make $500 million a year from kidnap and ransom payments.

Is it required?

It is possible that investors, board members or bankers could request K&R insurance protection. However if you or your employees travel domestically or overseas, maintain offices outside of the United States, have trade secrets that are vital to the organization or simply use computers, you are vulnerable to kidnap or ransom.

What doesn't it cover?

All insurance policies have coverage exclusions and limitations. Here are a few things that kidnap/ransom/extortion insurance policies may not cover: fraudulent, dishonest or criminal acts of insured person(s); certain circumstances related to wrongful detention; certain circumstances related to product recall; any incident involving a union strike, labor strike, or employment-related matter.  It is also critical to review policy definitions since the definition itself is a critical component of whether or not coverage applies.


The VANTREO team works with businesses and organizations operating throughout the world. Protecting our clients’ vulnerability and privacy is our top priority. Partnering with the world’s leading, “A” rated, K&R insurance carriers we have both the local presence and national strength needed to make sure you get the response you need immediately. Great results come from diligent preparation. We hope you never have a K&R event, but if you do, VANTREO brings the product knowledge, risk management skills and claims expertise needed so you are well prepared.

Discover the VANTREO difference.

Get Started