Crisis management insurance is a niche but genuinely distinct line, covering scenarios most standard business policies were never built to address.
This line typically bundles together kidnap and ransom (K&R), extortion, and product tampering or contamination response, situations where the priority isn't just financial compensation but immediate access to specialist crisis response expertise.
What makes this different from other liability cover: The value of crisis management insurance is as much about the response team it provides, negotiators, security consultants, PR specialists, as the financial payout itself. Speed and expertise in the first hours of an incident often matter more than the claim amount.
Businesses with staff travelling to or operating in higher-risk regions, consumer goods and food/drink manufacturers exposed to tampering or extortion threats, and any business whose brand value makes it a plausible extortion target.
Free, no obligation. We connect you with specialist brokers and Lloyd's market access for this line of cover.
Speak to a Specialist →Crisis management cover is highly bespoke to the business and its risk profile. Always confirm current terms with a specialist broker.