Kidnap and Ransom The Protection You Need for What Matters Most

Kidnap and Ransom from Tokio Marine HCC – Specialty Group The threat of kidnapping and extortion has dramatically increased in the U.S. and abroad. Incidents have occurred with alarming frequency and are not confined to the usual hotspots. In today’s world, not just companies or families with overseas travel are at risk. Domestic incidents of threats, cyber extortions and workplace violence are on the rise, making this a truly worldwide problem. Tokio Marine HCC – Specialty About Tokio Marine HCC – Specialty in approximately 180 countries and Group’s kidnap and ransom Group underwriting more than 100 classes of specialty insurance. Headquartered insurance coverage addresses The Specialty Group, a member of Tokio Marine HCC, is the leading provider of in , , the company is the concerns of organizations specialized insurance products for the comprised of highly entrepreneurial whose employees and corporate sports and entertainment industries. teams equipped to underwrite special assets are at risk, as well as We provide an unmatched portfolio of situations, companies and individuals, high profile families in the U.S. products including, but not limited to, acting independently to deliver effective solutions. Our products and capabilities and abroad. Standard perils event cancellation, high limit disability, kidnap and ransom, weather, travel and set the standard for the industry, as include kidnap and ransom, many of our nearly 2,700 employees are event liability. We cover major sports extortion and detention. Our and entertainment events, professional industry-leading experts. Tokio Marine policy wording is customarily athletes and entertainers and other HCC is part of Tokio Marine, a premier global company with a market cap of written on an unrestricted unique assets. approximately $33.8 billion.* worldwide basis and is tailored We listen, develop a profound to meet the individual needs of understanding of our clients’ needs and About Unity Resources Group develop a coverage package to protect each company and family. Founded in 2000, Unity has grown to be a them against the unexpected. leading and trusted international provider of Why Tokio Marine HCC security, risk, and crisis response services operating from a network of global offices. Tokio Marine HCC is a leading specialty insurance group conducting business

How Unity Can Help HCC – Specialty Group policyholders with a range of complimentary services to Unity’s crisis response leaders are full reduce their exposure to prevalent risks time employees drawn from a range and threats. These services include: of backgrounds including intelligence services, specialist , • Familiarization briefings for all new and and Special Forces. Unity’s collective renewing policyholders including an experience includes more than 1,375 overview of the crisis response capabil- ity and a detailed briefing on the global led and supervised cases in over 70 security environment, countries, including the worlds most • Electronic subscription to Unity’s challenging locations. security intelligence portal, and Unity places considerable emphasis on • Direct access to travel risk analysts and prevention and pre-incident planning other subject matter experts. and preparation, providing Tokio Marine *As of 12/31/17. Coverages

Covered Events • Threat response expenses • Kidnapping • Disappearance investigation expenses A key feature of our • Express kidnapping • Recall expenses kidnap and ransom • Hijacking • Crisis response fees of Unity coverage provides our • Detention Resources Group clients with unlimited fees • Extortion Optional (Enhanced) Coverages and expenses for crisis • Threat response and direct 24/7 • Disappearance • Travel / expatriate security evacuation • Loss of earnings (including computer access to a leading crisis Covered Losses virus and contingent loss of earnings) management company, Unity Resources Group. • Ransom • Workplace violence expenses • Ransom lost in transit • Workplace violence accidental death • Surrendered personal belongings and dismemberment • Legal liability • Child abduction • Additional expenses (including medical • Value of recalled / destroyed products expenses and salary) • Accidental death and dismemberment

Highlights

• Capacity up to US$50 million or • No deductibles required on most risks currency equivalent • 24-hour crisis hotline • Policy periods up to 36 months • Immediate access to Unity Resources • Short-term policies available Group’s consulting services • Worldwide coverage • 10% premium allowance toward • Policy can be issued under a code preventative services with Unity name to preserve confidentiality Resources Group • Submissions can be quoted within 24 • card payments accepted hours of receipt • Admitted policy in all 50 states • Indications available based on preliminary underwriting data Frequently Asked Questions*

What happens if the victim is How many events are covered per Does Tokio Marine HCC – Specialty kidnapped and the demand is made policy term? Group offer coverage on an excess against the family, not the employer? follow-form basis? Several events may be covered under the The policy will respond regardless of same policy term as long as the policy Yes, Tokio Marine HCC – Specialty Group whether the ransom demand is made aggregate limit is not exhausted. If the can offer its full US$50 million capacity to the employer or to the family of the policy purchased has no aggregate, the on an excess follow-form basis. This covered victim. only limitation is the limit per event. That approach is particularly useful for brokers means that policy limits apply to each inci- looking to place extremely large limits in Does the victim need to be traveling excess of any one carriers’ capacity. on company business in order for the dent, regardless of how many persons are kidnapped in connection with one event. policy to respond? How long has Tokio Marine HCC – The policy responds on a worldwide basis, Does the policy pay on a Specialty Group been writing this regardless of whether covered persons policyholder’s behalf or is payment coverage and what is the number of dedicated staff working on this are traveling on business or pleasure. made on a reimbursement basis? specialty line of business? The coverage will reimburse the policy- What happens if a covered incident Tokio Marine HCC – Specialty Group happens at night or on a weekend? holder for claims made in the case of a covered incident. The policyholder will has been specializing in this line Tokio Marine HCC – Specialty Group also be reimbursed for any reasonable of business since 1980 and has a policyholders are provided with 24/7 tele- expenses, including interest charges dedicated staff of seven underwriters phone hotline access to Unity Resources incurred in connection with a loan to pay for the kidnap and ransom, extortion Group whose network of highly trained a ransom, as well as other critical related and detention product line. professionals stand ready to assist on a expenses. worldwide basis. In addition, the crisis response fees and Are relatives and guests covered? expenses of Unity Resources Group Although Tokio Marine HCC – Specialty in connection with covered incidents Group policies can be individually tailored, are paid directly by Tokio Marine HCC – most policies covering a policyholder’s Specialty Group; and, unless the policy is * This page is designed to provide a concise overview of the provisions that have been the subject of employees also extend coverage to those otherwise amended, the policy provides frequent inquiries. It is not designed to replace employees’ relatives and guests (as unlimited coverage over and above basic the policy itself. For a full description of applicable defined in the policy). policy limits for these expenses. provisions, please consult the policy wording.

Contact us

Tokio Marine HCC – Specialty Group 37 Radio Circle Drive, Mount Kisco, NY 10549-5000 USA Tel: 914-241-8900 Fax: 914-244-0405 [email protected] tmhcc.com

A member of the Tokio Marine HCC group of companies

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