KIDNAP, RANSOM & EXTORTION

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1 KIDNAP, RANSOM & EXTORTION I N S U R A N C E * W O R L D W I D E C O V E R A G E PROTECT yourself & your family against the unexpected.

2 Company Profile We are an independent insurance broker with over 35 years of experience in the United States and international market offering a full line of personal insurance and financial services. Our portfolio of worldwide products & services covers all traditional forms of life and health insurance, and extends to specialty and risk markets such as travel insurance, contingency insurance, political and crisis coverage. Our services begin by acquainting ourselves fully with our client s unique situation, and thoroughly understanding their objectives. We then offer professional recommendations in the form of insurance and financial products that are tailored to our client s best interest. To keep pace with our clients needs, we maintain a close communication to ensure we are providing the most current and up to date insurance offerings and underwriting solutions. Our Customers are the most important part of our business. They are not dependent on us - we are dependent on them

3 Kidnap, Ransom & Extortion As businesses continue to expand operations internationally and take on a more global dimension, the protection of key personnel, employees, and trade secrets must be carefully analyzed by management. With Kidnapping & Extortion becoming much more widespread and ransom demands reaching upwards of $100 million, today s multinational corporations and international citizens are at increased risk. Policy Benefits & Services: Kidnap Ransom Payment Extortion Ransom Payment Wrongful Detention Hijacking Loss in Transit of Payment Legal Liability Death/Dismemberment Medical, Psychiatric & Rehabilitation Evacuation and Repatriation Crisis Consultant Fees & Expenses Child Abduction Personal Financial Loss Salary Reimbursement Reward to Informants Cost of Temporary Security Measures Legal & Interpreter Fees Forensic Analysis Independent Crisis Negotiator Public Relations Consultant Travel & Accommodations Other Necessary Expenses Kidnap Ransom & Extortion insurance provides a broad range of benefits and services for individuals and companies operating in both domestic and foreign markets, especially in high-risk areas around the world, such as Mexico, Colombia, Venezuela, the Middle East, as well as some parts of the Asia and Eastern Europe. Kidnap Ransom & Extortion policies offer coverage against the risk of a kidnap, extortion, wrongful detention, and other such events. The insurance protection is provided through a combination of financial indemnification and expert crisis management. A typical policy can cover items such as ransom payments, hostage negotiations, medical and psychiatric care, loss of income, consulting fees, family counseling, rehabilitation and many other related expenses. These policies can also cover personal accident losses caused by a kidnap or hijacking; which includes death, dismemberment, and permanent total disability. Kidnap Ransom & Extortion not a New Concept KR&E Insurance has been around since It was first offered by Lloyd s of London, after the Lindbergh baby was kidnapped, however it was only offered to a small number of people and companies fitting certain criteria such as great wealth. A lot has changed since 1932; more companies and individuals are realizing the importance of managing these risks to help mitigate the substantial costs associated with a ransom or extortion payment. Today, Kidnap for ransom is big business and kidnappers and extortionist do not discriminate. $10 Million + Worldwide Coverage Due to globalization of economies, multinational corporations need to prepare for the possibility of attacks virtually anywhere in the world.

4 Kidnap, Ransom & Extortion Who is Eligible for Coverage Any for-profit company, non-profit or religious organization, association or academic institution is eligible for coverage. KR&E policies are also available to high net worth individuals, company directors/officials, government officials, famous & media personalities or any individual working in what is considered a high risk area of the world. Coverage can be extended to include immediate & extended family members, domestic partners, and even the person negotiating and delivering the ransom payment. Types of Events/Demands Covered with KR&E Kidnapping The illegal taking and holding captive of a person for the demand of a ransom as a condition for release. Extortion A threat made for the demand of ransom against an individual, property, assets, trade secrets, product or sensitive computer data Wrongful Detention The holding of a person against their will or under duress for whatever reason Hijack the illegal holding of a person against their will or under duress while traveling Top 20 kidnapping countries in : Nigeria 2: Mexico 3: India 4: Pakistan 5: Venezuela 6: Afghanistan 7: Iraq 8: Lebanon 9: Colombia 10: Guatemala 11: Syria 12: Philippines 13: Brazil 14: Turkey 15: Honduras 16: Malaysia 17: Yemen 18: Kenya 19: Egypt 20: Ecuador Figures reflect reported kidnappings according to Control Risks records

5 Kidnap, Ransom & Extortion? Most Common Outcomes The majority of kidnap cases end with the ransom being paid. The safety of the victim is of principal concern and authorities in most countries use the rescue as a last resort. The average percentage of deaths occurring after a kidnapping is around 9%. The percentage of deaths are drastically lowered when experienced crisis management firms handle are involved. Most of the deaths occur at the time of abduction rather than during negotiation. Common Kidnap Victims (Control Risk Report) Non-Professional Employees Dependents Tourists Aid & Religious Workers Media Personalities Government Officials & Security Personnel Business Executives Professionals Including Journalists Ranchers Ransom Demands Are On the Rise Over the last ten years, Ransom demands have increased dramatically. Prior to the 1970s, very rarely did ransom demands reach $1 million. Today, that sum can be in upwards of $100 million in some kidnapping cases. Carrying KR&E insurance is a viable and practical way of transferring the enormous financial risk associated with such events 67% 67% of all cases end with the ransom being paid

6 KIDNAP OVERVIEW RiskMap Report 2013 KIDNAP OVERVIEW Asia and the Pacific accounted for the majority of recorded kidnapsfor-ransom in 2012 for the third year in a row as a result of large numbers of cases in Pakistan, Afghanistan and India. The risk also remained substantial in Africa and Latin America. There was a significant increase in the number of cases reported in the Middle East as a result of the fluid situation in much of the region that followed the Arab spring in Sporadic cases continued to be registered in North America and the Caribbean, Europe and the CIS. Kidnapping-for-ransom is increasing in global scope (% share of global total by victim numbers, as at 3 December 2012) Kidnapping-for-ransom, once a crime commonly associated with Latin America, has emerged as a threat to business operations globally. The proportion of kidnaps recorded in Latin America has fallen from 55% in 2004 to 25% in 2012, with Africa and Asia Pacific accounting for 53% of kidnaps recorded worldwide in 2012, up from just 18% in A significant rise in kidnapping levels in the Middle East accounts for the jump from a 4% share in 2008 to 19% in The declining percentage of abductions recorded in Latin America does not indicate a reduced threat: Venezuela, Colombia and Mexico remained among the top ten countries for absolute numbers of abductions recorded by Control Risks in Rather, the decline is representative of the proliferation of kidnapping-for-ransom across the globe. Most susceptible to increases in the crime have been those countries destabilized by conflict or where increases in foreign investment have not been supported by an enhanced security infrastructure. ControlRisk RiskMap Report 2013

7 Crisis Managment & Response Part 1 Crisis Management & Response Consultants Kidnap Ransom & Extortion insurance does not only provide the funding mechanism for the ransom, but more importantly these policies give clients access to crisis management response teams, who s primary objective is a quick and safe release of the victim. These trained professionals have extensive knowledge of the crisis area, local laws and issues. Qualified in fields such as threat assessment, crime investigation, hostage negotiation, and extortion techniques allows them to lend vast years of experience and support to correctly deploy tactical options and strategies to the resolution of the crisis. Through our partnership with top insurance providers our clients have access to some of the premiere crisis management firms.

8 Part 2 Crisis Managment & Response OUR PARTNERS Clayton Consultants, Inc. Clayton Consultants, a Triple Canopy company, is a crisis management security consultancy offering incident response, security consulting and training services to clients across the globe. Specializing in the prevention and resolution of kidnaps-for-ransom, extortions, malicious product tampering and client risk. Security consultants are experts in the field of crisis resolution with decades of government, military, foreign service and private industry experience. Strategically located around the world, Clayton s consultants support clients in an advisory capacity based on their security expertise and an intimate knowledge of the local culture. We have collectively resolved more than 1,500 confirmed kidnap-for-ransom and extortion cases. Olive Group Olive Group s Crisis Response Services capability delivers both crisis preparedness and crisis response services. We define crises as sudden, unforeseen events that put our clients people, assets and/or business continuity in jeopardy; events, both man-made and natural, that warrant immediate, ideally well rehearsed action in order to limit the negative consequences and bring about resolution, the safe release and recovery of personnel and/or swift resumption of normal operations The team s project experience in the niche and highly sensitive spheres of kidnap for ransom and vessel hijacking response services includes the resolution of over 400 cases internationally since the mid 1990s. Covering these 400 plus cases required their deployment to Brazil, Bulgaria, Colombia, Denmark, Ecuador, Gabon, Germany, Greece, Guatemala, Honduras, India, Malaysia, Kazakhstan, Mexico, Nigeria, Pakistan, Philippines, Somalia, Thailand, Turkey, Ukraine, Venezuela and Yemen among other countries and their intimate knowledge of the specific security dynamics within each of these complex locales. Control Risks Group As a crisis management specialist, Control Risks help clients to prepare for a variety of unforeseen and potentially financially damaging events. In the event of a nightmare scenario such as a kidnap or extortion, Control Risks consultants provide dedicated incident response and support. CR24 is a 24 hour operations centre available to offer clients immediate assistance and help organize resources in times of crisis. Since the 1970s, Control Risks has handled more than 600 cases of kidnap and extortion in 74 countries.

9 Our Partner companies Why Atlas Underwriters? Over the last ten years, Ransom demands have increased dramatically. Prior to the 1970s, very rarely did ransom demands reach $1 million. Today, that sum can be in upwards of $100 million in some kidnapping cases. Carrying KR&E insurance is a viable and practical way of transferring the enormous financial risk associated with such events Atlas Underwriters through its subsidiaries offers some of the best Kidnap Ransom & Extortion solutions. We have partnered with many of the largest KR&E insurance providers in the world to ensure the most comprehensive coverage for our clients. Worldwide protection you can count on: Our experience working with some of the largest KRE insurance providers allows us to help our clients to find the best coverage options to best fit their needs. Our clients can be confident their policy will respond swiftly and effectively in any crisis. Our team of insurance professionals works with each client to develop and tailor every aspect of the insurance policy. Access to Premier Crisis Management Consultants: Choosing the Atlas Financial Group, Corp for KR&E insurance needs gives each client exclusive access to some of the premiere crisis management & Response companies, such as Control Risks Group and Clayton Consultants, two of leading international crisis management consultancies. When Offering Quotes from the top insurance carriers in the market client confidentiality is a top priority!

10 Contact us today! The AtlasUnderwriters Concept CONNECTING YOU TO THE SOURCE Atlas Underwriters offers multiple lines of insurance products that cover a wide range of risks. With 35 years in the insurance industry, our access to global reinsurance markets enables us to go outside the conventional carriers to find the best offer. From the traditional risks of Life, Health, and Disability to more specialized insurance needs such as Accidental Death & Dismemberment, Travel Insurance, and Contingency Risks, Atlas Underwriters can provide the necessary insurance protection. No matter the insurance need, we can help find the best options available to you or your business. Our underwriting capability allows us to provide our clients and partners with product customization in order to meet the unique requirements of a particular segment or region. We also understand the needs of the international insurance markets, offering our clients and broker partners insurance solutions all throughout Latin America. If you are looking for insurance or have a case, please contact us to discuss it with you. Atlas Underwriters. LLC 440 sawgrass corporate 440 sawgrass pwky Ste: corporate 112 pwky Ste: 112 Sunrise FL, 33325Sunrise FL, Phone: (954) Phone: (954)