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Recently, a businessman – CEO to one of Tanzania’s largest conglomerates – was abducted by masked gunmen as he was about to enter a hotel gym at 5:35 a.m. in Dar al Salam, Tanzania. He was found alive nine days later, dumped in a field- his hands and feet bruised from being bound. While the family offered a USD 440,000 reward for information that would help police find him, it’s unclear if a ransom was paid. Tanzania’s Home Affairs Minister Kangi Lugola, when announcing the businessman’s safe return, simultaneously announced that the billionaire’s driver and the hotel’s security manager had been arrested in connection with his kidnapping. According to the official, this was one of 21 kidnappings reported in Tanzania between January and October 2018. 


Tanzania isn’t alone.  Kidnapping, and related schemes like virtual kidnappings, continue to rise in all parts of the world.  According to Global Risk Consultancy S-RM, Latin America remains the global hotspot for kidnappings, with Mexico accounting for the majority of cases. Mexico reports somewhere between 1,000-1,700 kidnappings a year, largely prompted by drug cartels need for cash to fund their operations.  Likewise, in Venezuela, kidnapping is endemic and is expected to worsen due to ongoing deterioration of economic and security climate.   


Volatility Driven


These and other hotspots will likely continue to develop over time as a result of changes in political and socio-economic conditions that affect kidnapping patterns.  For instance, kidnappings by militant groups and criminal gangs remain a significant problem across Sub-Saharan Africa, particularly in Nigeria driven by high poverty levels and unemployment rates. In the Asia-Pacific region, kidnapping and extortion by militant groups, criminal gangs and corrupt law enforcement personnel remain a threat and there has been an increased virtual kidnapping scams reported in Hong Kong and Singapore.

Quite simply, a more volatile world breeds more opportunities for these incidents to occur.  NGO workers are operating in increasingly insecure places and are exposed to significant risks to potential kidnappings or attacks. Every day, humanitarian aid workers, human rights activists, environmental defenders, medical professionals, teachers, independent journalists and others risk their lives to provide humanitarian assistance to communities who depend on aid for their survival. Kidnapping activities in Syria and Somalia highlight how economic threat coupled with opportunistic criminality fuel the dangers for aid workers.   (See Denise’s article – Doing Good is Growing More Dangerous” on why NGOs have stepped up their threat protection.)


While high profile, high net-worth individuals and organizations are favorite targets for kidnappers for large ransom demands, other criminals dabble in “express kidnapping,” preying on unlucky individuals to elicit a quick payout for their release.      


Easy Targets


Whatever their scheme of choice, kidnappers look for easy targets. To avoid becoming a statistic, here are some tips for travelers:     


  • Be aware. Situational awareness is a travel necessity. Be aware of your surroundings and on the lookout for anything out of the ordinary.
  • Keep a low profile. It’s never a good idea to draw attention to yourself.Walk and talk with purpose and confidence, like you know where you are going.And avoid blatant displays of wealth, like flashy jewelry or expensive clothes and accessories.Speaking on a mobile phone loudly in public may reveal information to pique the interest of a kidnapper.
  • Don’t advertise.Kidnappers look for targets with potentially deep pockets, like organizations that are eager to get employees out of danger as quickly as possible.Using business cards for luggage identification, for instance, is a giveaway that a traveler has an affiliation with a company, with access to funds or a kidnap and ransom insurance policy, that would be willing to pay quickly.
  • Don’t Get Stuck in a Routine.Kidnappers love routines.It gives them the opportunity to determine the best time and place to carry out abduction.Aim to mix up your travel routines: switch routes, methods of transportation and time of travel.
  • Know Who You’re Meeting.Strangers pose dangers.For instance, never get into a car with a stranger. Often executives have drivers lined up to meet them at airports to take them to their destinations.It is good practice to know in advance what your contracted driver looks like.

One of the greatest benefits of procuring KRE coverage is the advance preparedness it offers.

Complacency is the biggest mistake

The biggest mistake organizations make regarding kidnap and ransom dangers is not taking the risks seriously. Many organizations think “it can’t happen to us.”   Unfortunately this is a dangerous and incorrect assumption to make. Kidnappings have occurred during university professor and student travel, media and journalist travel as well as to businesses exploring emerging market opportunities Sadly, NGO groups offering aid to communities  in need are particularly vulnerable.  For instance, according to AXA XL’s global KRE risk consultancy S-RM, some 72 aid workers were kidnapped in 2017 alone.  (See S-RM’s latest Global Kidnap Bulletin for more.)

To protect employees and company facilities, most prudent companies and organizations buy kidnap, ransom and extortion (KRE) coverage. KRE Coverage is available as part of a corporate insurance portfolio or as a stand-alone policy for family protection or marine piracy protection. AXA XL offers a comprehensive,  kidnap, ransom and extortion (KRE) crisis policy.  Covered incidents include not just kidnap-for-ransom, but extortion, hijack, wrongful detention, threat event, disappearance, express kidnap, hostage crisis, child abduction and assault. 

One of the greatest benefits of procuring KRE coverage is the advance preparedness it offers.  For instance, AXA XL’s policy provides crisis management services including training for a company’s crisis management team on how to react in the event of a kidnapping as well as access to an on-line platform providing critical updates security information for every country in the world.  Review of a company’s travel and safety protocols and access to a 24/7/365 dedicated crisis hotline are also provided. 

Travel is a fact of life for most of us. Taking additional steps to maximize safety is not a guarantee that criminal behavior won’t befall a traveler, but following them may help make a traveler a less-than-ideal target.  No organization can assume a kidnapping event won’t happen. They happen every day.  In today’s tumultuous world, no one can afford to underestimate the cleverness of the bad guys.  It’s best to be aware and be prepared.


About the author

Denise Balan  is head of US Security Risks for AXA XL, a division of AXA.  She and her team provide insurance and crisis management services to help organization prevent, prepare for and recover from a variety of crisis scenarios including a kidnappings, terrorism, active assailant and workplace violence incidents.  Denise can be reached at


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Global Asset Protection Services, LLC, and its affiliates (“AXA XL Risk Consulting”) provides risk assessment reports and other loss prevention services, as requested. This document shall not be construed as indicating the existence or availability under any policy of coverage for any particular type of loss or damage. AXA XL Risk. We specifically disclaim any warranty or representation that compliance with any advice or recommendation in any publication will make a facility or operation safe or healthful, or put it in compliance with any standard, code, law, rule or regulation. Save where expressly agreed in writing, AXA XL Risk Consulting and its related and affiliated companies disclaim all liability for loss or damage suffered by any party arising out of or in connection with this publication, including indirect or consequential loss or damage, howsoever arising. Any party who chooses to rely in any way on the contents of this document does so at their own risk.

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