As you and your organisation make plans to relocate overseas, it's important to become familiar with the unique risks associated with living and working abroad. One of the risks easily overlooked is the possibility of abduction or kidnap and ransom.

Kidnap and ransom insurance is an area where expert knowledge and established market relationships pay dividends. A typical kidnap and ransom or abduction policy insures against:

• Ransom paid following a kidnap or threat to kill, injure, or abduct
• Hijack
• Detention
• Death or dismemberment
• Legal liability
• Crisis management team expenses
• Loss of the ransom during transit to the kidnappers
• Loss of earnings