Global economic and political instability means that people security risk insurance is more relevant than ever before. Whether people are spread across multiple international locations or all in one country, opportunistic criminal behaviour can be unavoidable. Miller can place policies covering a broad range of security risks, extending much further than just kidnap & ransom, and provide reassuring support in the event of a crisis.

Policies can be purchased on the following basis

Corporate level - provides cover for all company employees, plus their family members, on a 24-hour worldwide basis.

Individual/family - policies provide cover for named family members, or simply one high-profile individual on a 24-hour worldwide basis.

Coverage is modular and can be selected from the below

people security risks diagram

Given the potential for loss of life, reputation and revenue, there is an increased need to prepare, prevent and obtain assistance from these threats.

Benefits include

  • All employees and their families are protected under the policy, bringing certainty in the event of an incident.
  • 24/7 access to expert response consultants with years of experience, bringing peace of mind.
  • Helps companies demonstrate a duty of care to all staff, their most valuable asset.
  • Can contribute to a company’s security risk management plan, enabling better business decisions.
  • Policy provides risk mitigation allowance, contributing towards risk mitigating training, planning and support.


Extensions of coverage

In some circumstances, insurers will consider providing cover in the event of blackmail or stalking (including cyber stalking). High profile individuals are at risk of being targets of fixated behaviour, which the coverage can provide invaluable crisis support for.

 
 
 
 
 
 
 
 

Insurance with wider political violence coverage is recommended for clients with assets, investments or exposures in the developing world. Political risk coverage should also be considered in these territories.