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Kidnap and Ransom Insurance

Businesses with operations in traditionally high-risk countries are no longer alone in their need for kidnap and ransom (K&R) insurance. The changing nature of political and electronic threats means that businesses and travellers everywhere can now encounter problems.

We can offer you expansive traditional kidnap insurance, including a broad definition of bodily injury as well as cover for cyber extortion and related expenses. As this cover should be arranged on a highly confidential and secure basis, we assure you of the greatest discretion.

What is kidnap and ransom insurance?

Our K&R insurance policies address threats clearly and concisely and can be tailored for a wide range of companies or individuals. They come with a global 24/7 incident response hotline, ensuring fast and reliable support from your pre-selected security consultant.

Benefits of our kidnap insurance

24/7 Access to expert response consultants - Policyholders have access to a 24/7 emergency hotline with no limit to consultant fees incurred – and the choice of expert risk management consultancies.

Comprehensive legal and expense cover - As well as providing ransom reimbursement and cover for loss in transit, cover includes legal liabilities and additional expenses which arise during the course of an incident, such as independent negotiators, public relations consultants, medical care services and more.

Extended personal accident benefits - Covers a wide range of bodily injuries, ensuring victims receive appropriate support after they return.

Tailored cover and endorsements available - Protection against extortion, disappearance investigation costs, and costs incurred during a hostage crisis, and emergency political evacuation and repatriation is offered as standard. Cover can also be tailored for individuals on single trips or for thousands of employees travelling globally. Depending on your needs, further extensions are available for business interruption, express kidnap, threat expense, child abduction, assault and stalking threats.

Features of ransom insurance

Our standard K&R insurance includes:

  • Ransom reimbursement
  • Loss of ransom during transit
  • Unlimited response consultant costs
  • Additional expenses
  • Legal liability
  • Personal accident
  • Kidnap and extortion
  • Wrongful detention
  • Hijack and hostage crisis
  • Disappearance investigation
  • Single trips or annual policies

Optional extras include:

  • Emergency political evacuation and repatriation
  • Express kidnap
  • Threat and assault
  • Business interruption
  • Tiger kidnap

Who is K&R insurance for?

Anyone with overseas exposure, travel or with permanent operations in countries with a medium to high exposure of kidnapping or extortion, including:

  • Manufacturers and construction companies
  • Oil and gas companies
  • Educational institutions
  • Healthcare institutions
  • Leisure, hotels and entertainment industries
  • Media and technology companies
  • Professional service companies
  • Public sector companies
  • Retailers and wholesalers
  • Transportation companies
  • Sports teams and organisations
  • High-profile individuals
  • High net worth individuals (HNWI) and families
  • Charities

Get a kidnap and ransom insurance quote

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Coronavirus (Covid-19) – Update for Towergate customers


During the COVID-19 Coronavirus crisis, we want to reassure our customers and partners that we are following UK Government guidance,
and as a result our national offices are closed to both safeguard the health of our employees and our ability to look after our valued clients.
Where possible, our employees are working from home and we are still fully able to support with renewals, new cover requirements and
claims guidance and support. This includes giving our colleagues the ability to work from home or alternative locations,
which we hope will limit the disruption and enable you to speak to us for advice and support should you need it.
Read more