Ransom Insurance That Protects What Matters Most
When your business or family faces an unthinkable threat, you need more than just support—you need preparation, discretion, and a plan. Ransom insurance from Combs & Company gives you the critical protection and peace of mind required in today's unpredictable world. With over 20 years of experience guiding high-risk individuals and global businesses, we help ensure you're never alone in a crisis.
Whether you’re a business traveler, a company with overseas staff, a public figure, or simply someone with valuable assets, ransom insurance isn’t a luxury—it’s a necessity. We help you protect your people and interests with policies that cover more than just ransom payments.
Your protection starts with a conversation. Our experts are ready to help you find the right coverage that fits your life and goals. Book an Appointment Today!
Why Ransom Insurance Matters in Today’s Global Environment
Ransom insurance is more than a policy—it’s a proactive risk management strategy. With the rise in global travel, political instability, and cyber threats, individuals and companies alike are increasingly exposed to extortion risks. This specialized coverage steps in when the unimaginable happens.
At Combs & Company, our ransom insurance solutions typically include:
- Coverage for ransom payments in the event of kidnapping or extortion
- Access to expert crisis response consultants, 24/7
- Coverage for lost wages, medical expenses, and related costs
- Reimbursement for legal liabilities and security upgrades
- Negotiation support and family liaison services
- Cyber extortion protection (depending on the policy)

What sets us apart is how we customize policies for your actual exposure. We don’t believe in generic protection—only comprehensive, tailored coverage that reflects your unique risk profile.
Who Needs Ransom Insurance?
Many believe ransom insurance is only for diplomats or celebrities. The truth? It’s increasingly relevant to a wide range of individuals and businesses. If you or your organization could be perceived as high-value or vulnerable, this insurance could be essential.
You may benefit from ransom insurance if you are:
- A business with international operations or traveling employees
- A high-net-worth individual or public figure
- An executive or key decision-maker in a high-profile role
- A nonprofit, missionary group, or journalist operating in high-risk areas
- A company with sensitive data vulnerable to cyber extortion

Combs & Company works closely with you to assess real risks—not hypothetical ones—so you’re covered where it counts. Our advisors walk you through what coverage makes sense, what to expect, and how to activate emergency support if needed.
What Is Ransom Insurance?
Ransom insurance, often referred to as kidnap and ransom insurance (K&R), is a type of specialty coverage designed to protect individuals and organizations from the financial and emotional fallout of extortion events. This may include physical kidnapping, virtual or cyber extortion, or threats against employees or family members.
A typical ransom insurance policy may cover:
- Ransom payments and negotiation expenses
- Emergency evacuation
- Crisis management and consulting
- Accidental death or dismemberment
- Legal and PR support post-incident

Importantly, policies often include access to crisis response teams—experienced professionals trained in handling negotiations and ensuring safe outcomes. At Combs & Company, we connect clients with these vital resources through trusted global carriers.
Why Choose Combs & Company for Ransom Insurance?
Combs & Company has spent over two decades earning the trust of clients who demand discretion, expertise, and clarity. When it comes to ransom insurance, we bring a unique combination of personal service, global reach, and strategic thinking.
Here’s why clients choose us:
- Personalized Consultation: We take time to understand your lifestyle, travel patterns, and vulnerabilities.
- Carrier Relationships: We work with elite underwriters who specialize in high-risk coverages.
- Discretion & Privacy: Your security is our top priority. Consultations are handled with strict confidentiality.
- Experience in Complex Coverage: Our specialty insurance team has worked with C-suite executives, international nonprofits, and private clients who require nuanced protection strategies.
- Education-First Approach: We ensure you know exactly what you're getting, why it matters, and how to use it.

We’re not just brokers. We’re your advisors in navigating worst-case scenarios with preparedness, not panic.
What Happens After You Get Ransom Insurance?
The value of ransom insurance doesn’t end with the policy—it begins there. Clients continue to benefit through:
- Ongoing access to security resources and emergency protocols
- Updated risk assessments as your circumstances change
- Peace of mind knowing your family or employees have a lifeline in critical situations

Combs & Company becomes your long-term partner in risk management. As your business, travel habits, or public exposure evolves, we evolve your coverage with it.
Frequently Asked Questions About Ransom Insurance
Is ransom insurance legal?
Yes, ransom insurance is legal and commonly used by international businesses, nonprofits, and private individuals. It is designed to provide financial protection and crisis management support in the event of kidnapping, extortion, or detention. All policy handling and claims are conducted discreetly and in compliance with applicable laws and regulations.
Does ransom insurance cover cyber extortion?
Many ransom insurance policies can be extended to include cyber extortion, though it depends on the insurer and policy details. This coverage may include response support for ransomware attacks, payment reimbursement, and forensic investigations. We help determine if a cyber component should be added based on your risk profile.
Is ransom insurance only for businesses?
Not at all. While businesses with international operations frequently purchase ransom insurance, individuals—especially those with high-net-worth, public visibility, or family members abroad—also seek coverage. Combs & Company serves both corporate and personal clients, tailoring each policy to your unique needs.
What isn’t covered under ransom insurance?
While coverage is extensive, ransom insurance generally does not cover self-inflicted incidents, criminal activity by the insured, or failure to follow safety recommendations. Each policy has exclusions that our team will carefully explain during your consultation to ensure you fully understand what is and isn’t protected.
How do I know how much ransom insurance I need?
The amount of coverage you need depends on your exposure level, travel habits, role or public visibility, and other risk factors. At Combs & Company, we help you assess these variables and design a ransom insurance policy that provides the right balance of protection and premium.
Protect Yourself Before the Threat Becomes Reality
You don’t plan for the worst—but you can be ready for it. Whether you’re a corporate executive with global responsibilities or a private individual concerned about security, ransom insurance offers a critical layer of protection that standard policies don’t.
Let Combs & Company guide you through the process with clarity, compassion, and unmatched industry knowledge. We’ll help you build a smart defense for the risks you can’t see coming—so you can live and work with confidence.
Schedule your confidential consultation today.
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