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“The real value behind having Kidnap and Ransom insurance is not only having the policyholder reimbursed for the cost of the ransom, but rather unlimited access to a team of specialized response consultants...who provide the best kidnap response advice services and dedicated support to secure the hostage’s safe and timely release with minimum disruption and minimum hardship,” specialist underwriters SHA say.It is essentially a more extreme version of key person coverage. This more mainstream type of policy provides coverage for a business should an essential staff member become incapacitated or die.
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