Product Family

Security Risks

Kidnap & Ransom insurance and more

AXA XL offers comprehensive insurance coverage for kidnap, ransom, extortion and other crisis events such as cyber extortion, product extortion, hijack, wrongful detention, threat, disappearance, express kidnap, hostage crisis, child abduction, assault and workplace violence. AXA XL exclusively retains expert crisis response consultants, S-RM. Policyholders have access to pre-event, real-time and post-event crisis response services.

In today’s global business economy, serious threats to personal and corporate security are frequent. Incidents like kidnapping are difficult to predict and when they occur they require a swift, organized and expert response. AXA XL’s specialist Kidnap & Ransom insurance product helps companies and individuals navigate through these dynamic, complex and constantly changing scenarios. We offer specialized knowledge and a wide range of insurance coverages to help clients manage their risk landscape. The financial impact of a crisis can be severe on any company or family. AXA XL’s Kidnap & Ransom insurance policy aims to take away this burden by reimbursing all associated costs incurred both during and after the event.

Risk Consulting

Risk consultants providing comprehensive risk management solutions based on an understanding of client business priorities and goals.

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We seek to provide the most comprehensive cover in the market by covering all the following events within our main policy wording:

  • Kidnap
  • Extortion

  • Cyber extortion
  • Products extortion
  • Hijack
  • Wrongful detention
  • Threat
  • Disappearance
  • Express kidnap
  • Hostage crisis
  • Child abduction
  • Assault

We are also able to offer the following insurance coverages as extensions:

  • Business interruption
  • Cyber extortion business interruption
  • Emergency security evacuation
  • Product recall expenses
  • Stalking threat
  • Tiger kidnap

We reimburse all expenses reasonably incurred by the insured in connection with a valid claim.
Expert assistance is also vital when handling a high pressure, stressful situation such as the kidnapping of a colleague or loved one. Immediate access to independent, experienced advisers to help at such a time can be invaluable, and is often the driving factor when purchasing a Kidnap & Ransom insurance policy.

Benefits and Services

  • We are the largest Lloyd’s Syndicate and we have global underwriting and claims experts in London, Guernsey, New York, Hong Kong, Hamburg, and Sydney
  • We have the largest capacity in the market
  • Our strength and capacity allow us to be flexible, tailoring cover to fit client needs
  • We offer exclusive access to world-leading kidnap response expertise through our security consultants S-RM
  • Access for all insurance policyholders to our Global Security Insight (GSI) platform, a market leading security analysis tool
  • Consistently ranking top for our claims service, according to the Gracechurch Survey

Client Profiles

You don’t have to be a billionaire or a foreigner working in a war zone to be a target for kidnap and ransom related events. Companies or individuals can find themselves at risk through their travel exposures, the location of their permanent operations, their specific industry or their public profile. AXA XL offers worldwide kidnap & ransom coverage to all industries. Some sectors find themselves at higher risk due to the nature of their business and the locations that they tend to work in, such as the following:

  • Aviation
  • Construction
  • Engineering
  • Finance
  • High net worth individuals
  • Humanitarian and aid agencies
  • Maritime
  • Media and journalists
  • Mining
  • Oil and gas
  • Security
  • Telecommunications

The information contained herein is intended for informational purposes only. It’s is neither an offer to sell nor a solicitation to purchase any particular insurance product. Insurance coverage in any particular case will depend upon the type of policy in effect, the terms, conditions and exclusions in any such policy, and the facts of each unique situation. No representation is made that any specific insurance coverage would apply in the circumstances outlined herein. Please refer to the individual policy wordings for specific coverage details. AXA XL is a division of AXA Group providing products and services through three business groups: AXA XL Insurance, AXA XL Reinsurance and AXA XL Risk Consulting. Not all of the insurers do business in all jurisdictions nor is coverage available in all jurisdictions.

US- and Canada-Issued Insurance Policies. In the US, the AXA XL insurance companies are: AXA Insurance Company, Catlin Insurance Company, Inc., Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company and T.H.E. Insurance Company. In Canada, coverages are underwritten by XL Specialty Insurance Company - Canadian Branch and AXA Insurance Company - Canadian branch. Coverages may also be underwritten by Lloyd’s Syndicate #2003. Coverages underwritten by Lloyd’s Syndicate #2003 are placed on behalf of the member of Syndicate #2003 by Catlin Canada Inc. Lloyd’s ratings are independent of AXA Group.

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