Introduction to. Kidnap+ Ransom. Insurance

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1 Introduction to Kidnap+ Ransom Insurance

2

3 Introduction Today s world has seen a number of factors combining to shape an ever-changing investment environment - especially in emerging markets. This backdrop is presenting a number of opportunities for companies across a wide variety of sectors, however these opportunities are not without risks or challenges. Growing competition for the world s resources driven by increased demand from developing economies is driving investment in new and, often, less familiar territories. Set against this context is the persistent shadow of extremists, criminal groups and the threats posed to companies, workers, and their families, from kidnap, extortion and attack. The ability to mitigate these risks has never been more important, both in terms of an organization s duty of care to its employees, and to protect the sustainability of an investment. JLT s specialist team has over 25 years experience in helping companies and families in the design and implementation of security and insurance programs specifically designed to help navigate the evolving risk landscape in which we live and work.

4 Global examples of policy response Canada A multi-national beverage company received a threat that drinks would be contaminated unless a payment was made. Policy response: Response consultant s advice, cost of investigation, monetary contribution towards replacement of damaged stock and product recall expenses. Colombia A Peruvian construction company working on a road-building project received a bomb threat and a demand for payment. Policy response: Response consultant s advice, ransom, media planning and public relations consultancy and legal advice. Nigeria A British expatriate working for an oil company was kidnapped in the Delta region of Nigeria whilst driving home. Policy response: Response consultant s advice, ransom, medical expenses, travel costs for victim and family, victim s salary.

5 China An American automotive parts manufacturer received threats to harm both property and staff from a disgruntled ex-employee. Policy response: Full threat assessment by response consultants, temporary security around manufacturing plant. Egypt The deteriorating security situation resulted in a French financial institution being forced to evacuate its staff. Policy response: Advice and support from response consultants, evacuation costs, salary of evacuated staff. Gulf of Guinea A Greek gas carrier was hijacked whilst calling at Bonny Terminal, Nigeria. Policy response: Personal Accident for harmed crew, ransom, legal costs, response consultant s advice, rest and rehabilitation. South Africa A Canadian mining company's site manager was detained by local authorities over an employee pay dispute. Policy response: Response consultant s advice, legal advice, cost of communications, cost of travel and accommodation for the family.

6 Why buy Kidnap & Ransom (K&R) Insurance? Business opportunities in high risk environments, Corporate governance/ duty of care/ protecting your reputation, Insurer-funded access to risk management expertise, with 10-20% of premium value going towards the cost of security training, Access to specialist advisors, Financial protection.

7 Why JLT s Kidnap & Ransom Team? JLT is one of only a handful of brokers to have a standalone team of specialists focusing purely on K&R risks. We are market pioneers in our approach to ever-evolving global conditions. This means that we can offer our clients not only the latest bespoke wordings but, we can also provide access to the most favourable terms through our longstanding relationships with insurers. Our K&R team sits within JLT s Credit, Political and Security division: specialists in structuring solutions to mitigate and transfer the effects of political risk and country economic risk, counterparty credit risk, terrorism, political violence and war risks. Kidnap and ransom is the ideal complementary product as nearly every corporate that invests, operates, trades, or owns property abroad has groups of employees that are potentially at risk during the course of their work overseas. As a division, we place insurance for companies in many sectors, including power, oil and gas, extractive industries, telecoms, commodity trading and supply chain, manufacturing, and ports and terminals - with particular experience in emerging markets. This experience means that we were also the first broker, in 2007, to develop an in-house, country risk ratings tool and analysis team. Our World Risk Review is the most sophisticated country analytics tool in the insurance market, and allows users to benchmark country risk for 198 countries. We can also provide bespoke consultancy for corporates wanting to understand the risks facing their employees.

8 Our Products JLT s approach to product innovation is to understand our client s needs first, and then to design programs around their individual requirements. Our core products act as a building block and cover is then tailored accordingly, to each client s circumstances. Comprehensive Corporate Protection - Our newly-enhanced corporate cover offers a range of coverage features which are not available as standard and are designed to protect a whole company, or just certain individual employees, on a worldwide basis. Family Protection Plus - Provides cover for individuals or whole families living in, or travelling to, high risk environments, or those that could be targeted due to their wealth and profile. Trip Facility - Provides full Kidnap & Ransom cover at market-leading prices for employees or families undertaking short-term travel to high risk environments.

9 Piracy - A tailored product for maritime companies with exposures in high risk piracy areas; such as the Gulf of Aden, the Indian Ocean or the Gulf of Guinea. Academic Security Risk Management Program - A comprehensive insurance product and risk management tool designed to tackle the wide variety of serious security threats that are particular to academic institutions, such as siege scenarios or hostage-taking of students. Hospital Security Risk Management Program - A Kidnap & Ransom policy is at the heart of this program, but coverage has been enhanced by a wide range of additional covers - ensuring that all security threats facing healthcare facilities, including child abduction,are addressed. Aid and Development Agency Risk Management Program - Tailored cover incorporating crisis management training, cover for challenging environments and including access to specialists, access to specialist consultants, who are experts in debriefing and psychological counselling for kidnap victims and their families. Country Risk Consultancy - Our consultancy practice helps corporates identify, assess and manage their country risk exposures, including those relating to personnel risk. Underpinning our methodology is the World Risk Review (WRR), our proprietary country risk ratings tool which rates 198 countries across 10 distinct, insurable perils.

10 What happens next? If you do not have a K&R policy? Please contact our in-house specialists either in London, or at your local JLT office, who will be able to provide you with confidential advice regarding the type of cover you should consider, details of the products on offer and will supply the relevant proposal forms in order to obtain quotations. If you already have a K&R policy? If you already purchase K&R insurance, JLT would be happy to offer a free and confidential policy, health-check. Due to the confidential nature of K&R, it can often sit with the same broker and insurer without receiving the regular attention that it deserves. JLT s policy review would assess the suitability of the following, and evaluate which improvements could be available: Insurer Response Consultants Limits Policy structure Premium Wording and coverage. We will also provide country risk analysis and will highlight any other value-added services that are available to you.

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12 Contact Grant Williamson Tel: Jardine Lloyd Thompson Canada Inc. Suite 800, 55 University Avenue Toronto, Ontario M5J 2H7 Tel: Fax: Jardine Lloyd Thompson Canada Inc is a member of the Jardine Lloyd Thompson Group. Registered Office: The St Botolph Bulding, 138 Houndsditch, London EC3A 7AW Registered in England No VAT No May 2014 REF

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