Untitled Document

Our Focus

We specialize in insurance for travelers, ex-patriots, foreign students, upscale foreign nationals wanting global insurance, Global security companies and Defense contractors.

Ask A Question

Calibrated Capital Inc.

27-A Pamaron Way
Novato, CA 94949
voice 415-883-7822
Fax 415-883-7763

International Kidnap, Ransom
& Extortion Insurance

Faced with a wave of crime against the wealthy, a few major insurance companies are quietly selling abduction coverage (Kidnap & Ransom, or K&R) to address the needs of businessmen around the globe. K&R policies are usually offered to “people of substantial wealth” and provide coverage of $1 million and more, plus the services of professional hostage negotiators.

In many regions of the world, kidnapping is big business. In Mexico, South America, Europe, Asia, Africa and the Middle East, criminal and terrorist groups use kidnapping as a tool for fundraising. Corporate executives, politicians, engineers, and their families (especially children and grandchildren) have become the prize targets for criminals, guerrilla forces, and political dissidents. Incidents of kidnapping are on the rise, particularly with the knowledge that many people who operate in risky regions carry corporate insurance policies.

Cover is available on named person basis for a policy on private families, individuals and small groups of shareholders (and their families) of privately owned companies.

Cover is also available as Corporate Protection where it most frequently covers all directors, officers and employees of publicly-owned commercial organizations - from small companies to household names in virtually any country. Corporate cover can apply to named people only, if required. All family members of covered persons are also automatically included.

Due to the sensitive nature of this vital insurance product for those subject to risk, please email Frank R. Cambria C.L.U., R.H.U. to arrange for a confidential discussion.

How to Pay a Ransom

from eHow.com

Although kidnappings are a rare event in First World countries, many rebel factions in unstable regions of the Third World consider kidnapping and extortion a customary means of earning revenue to support their cause. And ransom demands can run into the millions of dollars. Organized crime also poses a potential threat, particularly to wealthy families. If you're at high risk, here's what you need to do.

Steps:
1. Purchase a kidnap/ransom and extortion insurance policy to protect you, your family and your employees if you live, work or travel in a high-risk zone. Companies such as InsureCast (insurecast.com), AIG (aig.com) and Chubb Executive Risk (chubb.com) offer plans to cover ransom payment, medical and psychiatric care.

2. Insure your business as well as yourself: Both personal and corporate assets are at risk when kidnappers attempt to extort ransom money.

3. Call local police to investigate in the event of extortion or a kidnapping. They will be able to add another layer of security and surveillance to the investigation process.

4. Contact specially trained experts, familiar with the local laws and the dynamics of kidnapping, to swiftly mobilize international resources. This person may work with a private detective to analyze notes, set up a drop site for the demanded money, and protect the premises and the threatened individuals.

5. Check your policy in advance: If you have purchased kidnap or extortion insurance, a private detective and trained crisis-management experts may be covered.

Overall Tips:
If you travel frequently to high-risk regions--Colombia and Mexico particularly have large numbers of kidnappings-- insurance coverage could save your life.

Insurance companies can also assist with crisis-management teams and employee training to minimize losses due to kidnap or ransom.

Overall Warnings:
Ransom demands are growing each year. Today, there are usually a number of kidnappings in which demands run as high as $10 million.

What to look for:
Kidnap/ransom and extortion insurance
Police
Trained experts
Private detective

Calibrated Capital Inc. is an affiliate of 3Mark Financial

Calibrated International Benefits Corp.
(Costa Rica) and CIB Media are affiliates of Calibrated Capital Inc.