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Comprehensive protection against kidnapping and extortion, providing financial assistance and expert crisis management support to corporations and individuals in high-risk regions.
Solutions
Our tailored Kidnap & Ransom cover is designed for high-threat environments, keeping your people safe and your operations secure.
Expertise
Our experienced team of experts are ready to assist you when you need it most.
Support
When lives and reputations are at stake, trust is crucial. Our specialist team delivers calm, coordinated responses to minimise disruption in a crisis.
Comprehensive ransom cover
Covers ransom payments, loss in transit, professional negotiation fees, rewards for helpful information, and costs associated with securing the victim’s release.
Income and replacement support
Reimburses 100% of the victim’s salary during recovery and retraining, including the salary of a temporary replacement for extended periods, up to 72 months.
Crisis-related medical & legal expenses
Covers cosmetic surgery for disfigurement, personal accident cover for bodyguards and drivers, legal liability, and death benefit if a victim remains missing.
Emergency relocation & express kidnap cover
Covers political repatriation, relocation, accommodation, express kidnap events (under 24 hours), and associated losses.
Disappearance & threat response
Covers investigation costs, salary payments, and repatriation in disappearance cases as well as expenses arising from serious threats – even when no ransom demand is made.
Hostage, assault & business impact
Provides coverage for hostage situations, armed assaults on insured persons, and related business interruption.
Get expert guidance on safeguarding your business with customised casualty insurance solutions. Request a call back, and we’ll assist you in selecting the right coverage options.
Where am I covered?
You are covered 24/7 worldwide, unless otherwise specified in your policy schedule.
When does cover start and end?
Your cover begins on the start date indicated in your policy schedule and remains effective for 12 months or for the period specified.
How do I cancel my contract?
To cancel your policy, simply contact your insurance broker. Santam does not charge any cancellation fees.
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