词条 | Kidnap and ransom insurance |
释义 |
CoverageK&R insurance policies typically cover the perils of kidnap, extortion, wrongful detention, and hijacking. K&R policies are indemnity policies – they reimburse a loss incurred by the insured. The policies do not pay ransoms on the behalf of the insured. Typically, the insured must first pay the ransom, thus incurring the loss, and then seek reimbursement under the policy. Losses typically reimbursed by K&R insurance include:
The policies also typically pay for the fees and expenses of crisis management consultants. These consultants provide advice to the insured on how to best respond to the incident. Even the most basic training for people traveling to dangerous places is not easily provided or is not obtained by small to mid-sized companies. Intended audienceThe policies may be written to cover high-profile families, non-government organizations (NGOs), C-Suite level executives or similar strategic individuals, or individuals who represent a local or multinational organizations. [2] Some policies include kidnap prevention training.[3] Underwriting considerationsThe major factors insurance underwriters weigh when considering a kidnap and ransom policy include the country of residence for the insured, the type of industry of the insured, revenue of the insured, and the travel patterns of any employees who may be covered by the policy. ProblemsOne of the known paradoxes of K&R policies is that those who have them are often not aware, as it can be provided by an employer hoping to protect the company's assets. It is believed that an employee with knowledge of his K&R policy might begin to act differently, or even collude in his own kidnap for fraudulent purposes.[4] In 2010, criminal gangs were believed to make $500 million a year from kidnap and ransom payments.[5] References1. ^{{cite web| url = http://www.inkerman.com/assets/files/Kidnap%20%20Ransom%20Monthly%20Review%20-%20July%202012.pdf| title = Kidnap and Ransom Monthly Review, July 2012| deadurl = yes| archiveurl = https://web.archive.org/web/20140912083658/http://www.inkerman.com/assets/files/Kidnap%20%20Ransom%20Monthly%20Review%20-%20July%202012.pdf| archivedate = 2014-09-12| df = }} 2. ^{{cite web | url = http://talglobal.com/kidnap-for-ransom-extortion-crimes/| title= The Fine Art of Defending Against Kidnap For Ransom and Extortion (KRE)}} 3. ^{{cite web |url=http://www.scr-ltd.co.uk/Prev.html |title=Archived copy |accessdate=2010-12-10 |deadurl=yes |archiveurl=https://web.archive.org/web/20101225061843/http://www.scr-ltd.co.uk/prev.html |archivedate=2010-12-25 |df= }} 4. ^{{cite web | url = http://heinonline.org/HOL/LandingPage?collection=journals&handle=hein.journals/emlj56&div=26&id=&page=| title= No Concessions” with No Teeth: How Kidnap and Ransom Insurers and Insureds are Undermining U. S. Counterterrorism Policy}} 5. ^{{cite web | url = http://www.theaustralian.com.au/news/features/the-business-of-kidnapping/story-e6frg6z6-1225831111501| title= The Business of Kidnapping}} External links
4 : Kidnappings|Ransom|Types of insurance|Kidnapping |
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