Personal Special Protection Solution

The global and US security environment has changed over the last decade. Security threats are often tied to economically motivated criminal activities and frequently, these activities are directed at prominent individuals and their families. In research conducted by Control Risks in 2011, 21% of the time dependents were the target of these threats. Hiscox’s Personal Special Protection Solution provides the resources and expertise to handle a number of complex security threats and provides peace of mind for you and your family.

Personal Special Protection Solution

As the global security environment changes, taking precautions to ensure you and your family are protected, both physically and financially, has become increasingly necessary. You no longer need to be rich and famous to be the victim of a kidnap or extortion. Similarly, domestic threats are becoming just as common as incidents abroad, whether travelling for business or pleasure.

When the worst does occur, you need a company that can help. The right response firm will be able to assist wherever you are in the world, provide the contacts you need and advise on the right strategy to solve the problem. A Hiscox insurance policy will provide financial protection together with exclusive access to Control Risks, an independent, specialist risk consultancy, and assist you financially, so you can sleep well knowing you and your family are covered 24-hours a day.

Who we cover

• Tailor-made definition of insured persons.

• Anyone scheduled on the policy including family, friends and employees.

• Guests in the home or on the property.

• Guests on board any vehicle, aircraft or waterborne vessel.

What we cover

• Expenses incurred in responding to:

– threats of violence against insureds

– threats of damage to property

– threats to reveal confidential information

– hijacks

– detentions

• Extortion threats to:

– reveal proprietary information

– kill or injure insureds

– damage property

• Disappearances of an insured

• Actual, alleged or attempted kidnappings for ransom of an insured person

• Illegal detentions of an insured

• Abductions of an insured infant or child

• Travel evacuations.

Covered losses may include:

• legal liability in respect of a kidnap or extortion

• costs to perform threat assessments

• costs of personal protection

• costs to investigate a disappearance or an abduction

• costs to evacuate insureds to safety

• fees and expenses of professional security consultants deployed within 24-hours worldwide

• death or dismemberment benefit

• additional expenses, including:

– travel and accommodation costs

– psychiatric and medical care fees

– reward monies

– public relations fees

– fees for legal advice

– salaries of victims and replacement personnel

– rest and rehabilitation expenses

– personal financial losses

– additional reasonable and necessary expenses

• ransom/extortion monies.

Prevention advice

Our protection coverage may include:

• personal security training

• travel awareness seminars

• evacuation planning

• crisis planning.

Personal Special Protection Solution

Case studies

Threat

The lead singer of an all-female country band was vocal about the band’s political stance and made strong statements to that effect during a live concert. Subsequently, members of the band were criticized and received hate mail threatening to harm the lead singer while they were on tour. The threats were especially concerning for the band members as they were touring with their babies and other family members.

Kidnap

A US sports star from Latin America went home for the winter to play on his local team. While at his family home, four men entered the house and forced the player to go with them at gunpoint. The kidnappers forced the star in to a waiting SUV and drove away, intending to demand a high ransom for their celebrity victim. The press published details of the player’s estimated annual earnings which further exacerbated the situation.

Kidnap

A couple were on vacation at an exclusive African resort when armed bandits broke in to their secluded hut and demanded money. The bandits stole cash and items from the room and then forced the couple in to a waiting speedboat and drove away. A lengthy negotiation process ensued between the kidnappers and the US family of the victims. Finally, after a seven-month ordeal, the couple were released in exchange for a hefty ransom payment.

Extortion

After a series of scheduling errors, the CEO of an investment firm had to fire his personal assistant. Some weeks later the CEO received an anonymous letter displaying his personal details and threatening to harm his family unless a payment of $50,000 was made. The CEO initially ignored the letter but the correspondence increased and gave increasingly graphic accounts of violent acts. The response firm conducted a detailed investigation into the extortion, providing protection for the CEO and his family. Eventually, the assistant was arrested on suspicion of writing the letters.

Travel evacuation

A US executive was working on a business project in Egypt when heavy protests broke out. His family was also in the country for the duration of the project and were concerned for their safety. The response firm advised them to leave while commercial flights were still available. Getting to the airport, however, presented a problem. The security firm were able to assist the family in getting through the road blocks to the airport. The family flew to a place of safety in Europe before heading on to the US. The cost of both flights was covered under the K&R policy.

Why Hiscox?

Hiscox provides clients with exclusive access to Control Risks, an independent, specialist risk consultancy. Founded in 1975, Control Risks has handled over 2,170 cases of kidnappings, extortions and other crises. Control Risks’ security consultants can deploy worldwide for Hiscox clients, usually within 24-hours.

As the leading provider of kidnap and ransom insurance, Hiscox Insurance Company Inc. is rated A (Excellent)* by A.M. Best. Hiscox offers unrivaled industry knowledge of complex security risks. With nearly 30 years of experience, our kidnap and ransom underwriting team offers unparalleled expertise.

About Control Risks

Hiscox’s Kidnap and Ransom policy includes exclusive access to Control Risks, an independent, specialist risk consultancy. Control Risks has more than 35 years of experience in crisis response and has advised on a variety of cases. Control Risks handles cases involving kidnap for ransom (whether short or long-term, financially, politically or otherwise motivated), hostage takings, ship and aircraft hijacks, political detentions, and other threat extortions. Staffed with a full-time team of consultants, Control Risks’ consultants are able to deploy with minimum notice to a crisis anywhere in the world.

As a matter of policy, Control Risks does not employ subcontractors, enabling them to ensure better quality control and the best service possible to their clients, which is vital when lives are at stake. Individuals trained in ‘hand-holding’ are located at a number of Control Risks’ international offices and are able to deploy to the incident scene where they can provide advice and support until the response consultant arrives. Control Risks and its clients collaborate with a wide range of national or international investigative and law enforcement bodies, including the FBI, British Metropolitan Police, US State Department, food safety bodies, regulatory bodies (e.g. TGA in Australia), as well as regional and federal police forces. Where they exist, they also have experience in liaising with anti-kidnap units. In all cases, Control Risks consultants assist clients in complying with domestic laws and legal requirements.

Personal Special Protection Solution

T 646 452 2353 F 212 922 9652www.hiscoxbroker.com 9848 10/14

Contact information

Insurance brokers are welcome to contact us. Two ways to find your regional contact:

hiscoxbroker.com/contact-us/

Northeast: 646 452 2353 Southeast: 404 410 2800 Midwest: 312 380 5555 Northwest: 415 814 1455 Southwest: 213 412 1210

About Hiscox in the US

Hiscox, the international specialist insurer, is headquartered in Bermuda and listed on the London Stock Exchange (LSE:HSX). There are three main underwriting parts of the Group - Hiscox London Market, Hiscox UK and Europe and Hiscox International. Hiscox International includes operations in Bermuda, Guernsey and the USA. Hiscox Syndicates Ltd is authorized by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. The ability of syndicates at Lloyd’s to do business in the USA, and its territories, is restricted as they are not US-based insurers. Hiscox Underwriting Ltd and Hiscox ASM Limited are authorized and regulated by the Financial Conduct Authority.

Hiscox Inc., a Delaware corporation headquartered in New York, d/b/a Hiscox Insurance Agency in CA, is a licensed insurance intermediary for admitted and surplus lines business. Hiscox Inc. underwrites on behalf of, and places business with, Hiscox Insurance Company Inc., other domestic insurers, and syndicates at Lloyd’s (www.lloyds.com). Hiscox Insurance Company Inc. (NAIC Number 10200) is a Chicago, IL domiciled insurer, which is admitted or licensed to do business in all 50 states and the District of Columbia.

Inquiries as to insurance or other products or services should be directed to an insurance agent or broker licensed to conduct business in the relevant US state. For further information about an insurer’s ability to do business in the USA and US territories please contact a licensed agent or broker for advice.

This communication provides general information on Hiscox’s products and services only and is not intended to be, and does not constitute, a solicitation of business by syndicates at Lloyd’s from or in respect of the USA or US territories. Coverages are subject to underwriting and may not be available in all states. The information contained herein is not a part of an insurance policy, and may not be used to modify any insurance policy that might be issued. In the event the actual policy forms are inconsistent with any information provided herein, the language of the policy forms shall govern.

*A.M. Best rating as of December 5, 2013.