Kidnap & Ransom
XL Catlin 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. XL Catlin exclusively retains expert crisis response consultants, S-RM. Policyholders have access to pre-event, real-time and post-event crisis response services.

Product details


Up to USD 100 million


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.

XL Catlin’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. XL Catlin’s Kidnap & Ransom insurance policy aims to take away this burden by reimbursing all associated costs incurred both during and after the event.

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.

XL Catlin exclusively retains the services of expert and highly experienced crisis management advisors, S-RM. As part of our product, our consultants’ services are immediately available to XL Catlin’s Kidnap & Ransom insurance clients when they have suffered an incident.

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. XL Catlin 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

Benefits & 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 allows 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

Information and Research

Kidnap and Ransom _ FFF _ Hotspots of the world _ XL Catlin _ US _ 082516

Kidnap and Ransom _ FFF _ Summer Travel Volunteer Vacation Risk _ XL Catlin _ US _ 082516

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Emergency Security and Disaster Evacuation Brochure

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This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Products are subject to legal and underwriting requirements. Coverages may not be available in all jurisdictions, including without limitation any jurisdiction within the United States, and may be available only through appropriately licensed producers. In addition, GAPS’s provision of publications or services is not an indication of the existence or availability under any policy of coverage for any particular property or type of loss or damage. Policies underwritten from Bermuda, Brazil, Canada, China, Mexico, Switzerland, or written by XL Insurance Company SE are only available through non US-based brokers. The Insurance companies of XL Group Ltd are: Catlin Insurance Company, Inc., Catlin Indemnity Company, Catlin Specialty Insurance Company, Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company, XL Bermuda Ltd, XL Insurance Company SE, XL Insurance Switzerland Ltd, XL Insurance (China) Company Limited, XL Seguros Brasil S.A. and XL Insurance Mexico SA de CV. Coverages placed with Lloyd’s Syndicate #2003 are managed by Catlin Underwriting Agencies Limited and supported by XL Catlin corporate capital. Additional important information regarding our business is provided on our Legal Notices page.

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