This document discusses kidnap and ransom insurance. It notes that the risk of kidnapping is increasing as more people travel abroad. Kidnap and ransom insurance provides access to crisis management teams who can help manage incidents. It also reimburses costs like ransom payments, consultant fees, and medical care. While ransom payments are controversial, negotiators usually find accommodations can be reached through negotiation. The document recommends speaking to a qualified insurance advisor if high-risk activities like international travel or high visibility are part of one's lifestyle. It profiles Marsh Private Client Services, an insurance advisory firm that assists high-net-worth clients with risk analysis and insurance programs.

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2. TEAM
Christine Schoenwalder, Vice President,
Business Development Executive
Mia Campagna, Sales and Risk Consultant
Amanda Martinez, Assistant Vice President,
Risk Consultant
Willie Lindsey, Risk Consultant
CLIENT RISK PORTFOLIOS
UNDER MANAGEMENT
17,000+, including a significant
portion of the Forbes 400
PERSONAL RISK ADVISORS NATIONWIDE
200+
HIGH NET WORTH PERSONAL
INSURANCE EXPERIENCE
Schoenwalder, 30 years; Campagna, 15 years;
Martinez, 5 years; Lindsey, 11 years
PROFESSIONAL SERVICES PROVIDED
Personal risk analysis, insurance program
design and management, insurance
placement services, loss mitigation advice
and claims advocacy
NATIONWIDE LOCATIONS
31 local offices
EMAIL
christine.m.schoenwalder@marsh.com
mia.campagna@marsh.com
amanda.martinez@marsh.com
willie.t.lindsey@marsh.com
WEBSITE
www.marshpcs.com
MARSH PRIVATE CLIENT SERVICES 540 West Madison Avenue, Suite 1200, Chicago, IL 60661 312.622.8209
L E A D I N G I N S U R A N C E A D V I S O R | C H I C A G O , I L
I L L U S T R A T I O N B Y N A N C Y J A N U Z Z I
Does my family need
kidnap and ransom
protection?
BY CHRISTINE SCHOENWALDER
Left to right: Mia Campagna,
Amanda Martinez, Christine
Schoenwalder, Willie Lindsey

3. 111WO RT H .CO M A P R I L- M AY 2 01 6
ith more people today traveling
abroad for business, pleasure or
an excursion to an additional resi-
dence, the threat of a kidnap and
ransom or extortion incident con-
tinues to increase.
But a family that has examined the
issue in advance may have greater abil-
ity to control the incident and improve
the outcome and likelihood for the safe
return of a family member—should the
unthinkable happen.
Some events typically covered by a
kidnap and ransom (K&R) policy include:
kidnapping for ransom; wrongful deten-
tion/holding under duress without a
ransom demand; extortion to divulge
confidential or private information; and
hijacking of an aircraft, motor vehicle or
waterborne vessel.
One of the primary benefits of K&R
coverage is access to an experienced
crisis-management team. Insurers are
able to immediately engage consultants
in crisis/security response firms who
specialize in managing and negotiating
during these incidents.
In addition to reimbursement for a ran-
som payment, a K&R policy will cover related
expenses, such as security response-firm
consultant fees and reimbursement for addi-
tional expenses, which may include rewards
to informants, travel and accommodation
costs, legal advice and medical or psychi-
atric care.
Stephen Poux, senior vice president
and head of Risk Management Services and
Loss Prevention at AIG Private Client Group,
sees the importance of offering clients a
holistic approach. “Proactively addressing
situations that might put an individual or
family at risk is just as important as the cov-
erage itself,” Poux says. “By working with
policyholders to evaluate their unique life-
styles, we can provide them with tools to
help reduce the likelihood of something
happening in the first place.”
A COMPLEX SITUATION
When the lives of loved ones are at stake,
security experts agree it is important for
families to be prepared to pay ransom de-
mands. However, advisors also add that
negotiating ransom demands, as opposed
to meeting the kidnappers’ initial demand,
has proven to be the safest way to ensure
the safe return of loved ones. Generally,
security firms find that reaching an ac-
commodation through negotiation is
achievable in most cases, even with unso-
phisticated kidnappers.
While it is in a family’s best interest to
negotiate ransom demands, it should be
mentioned that many authorities and
governments strongly oppose the payment
of any ransom and refuse to negotiate ran-
som demands. In the event of a kidnapping,
ransom, or extortion incident, a family will
face making many such complex decisions.
HELP IS AVAILABLE
Most insurers have relationships with secu-
rity firms that have expertise in dealing with
kidnap, ransom and extortion; have offices
in many countries; and offer a range of risk-
analysis programs and other security services.
Oftentimes, security firms will conduct a
comprehensive analysis to determine the
family’s level of risk and provide their ex-
pertise on preventative measures. Secu-
rity firms will also assess a family’s level of
risk for becoming a target and help family
members determine what their response
should be to a kidnapping, ransom or ex-
tortion incident.
ADVICE FROM A TRUSTED
INSURANCE RISK ADVISOR
If any of the following red flags apply to
you, your first step should be a conversa-
tion with a qualified insurance advisor. By
taking this step, you’ll be on your way to a
more secure future. Do you:
• Have a high-visibility profile and lifestyle?
• Have an actual or perceived position
of power?
• Travel abroad for business or pleasure?
• Travel via private vessel on the sea or
by air?
• Have family members who are residing
overseas for an extended period of time,
including children studying abroad?
• Have concerns about the increasing
danger of abduction or extortion?
A trusted personal insurance risk advisor
who regularly works with high net worth cli-
ents can help you examine potential risks. l
M A R S H P R I V A T E C L I E N T S E R V I C E S
C
HRISTINE SCHOENWALDER, BUSINESS DEVELOPMENT EXECUTIVE, JOINED
MARSH PCS IN 2012 AND HAS NEARLY 30 YEARS OF INDUSTRY EXPERIENCE.
Mia Campagna, sales and risk consultant, rejoined Marsh PCS in 2016 after
working for another firm for a brief period of time and has more than 18 years of
industry experience. Amanda Martinez, sales and risk consultant, joined Marsh in 2012
and has been in the industry since 2009. Willie Lindsey, sales and risk consultant,
joined Marsh PCS in early 2015 and has worked in the industry for more than 11 years. l
ABOUT US
Even business travelers have to be wary of
kidnapping in today’s world and take extra
precautions when abroad.W

4. Marsh Private Client Services is featured in Worth®
2016 Leading Wealth Advisors™
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Ken Sidlowski
Assistant Vice President, Risk Consultant
Amanda Martinez
Assistant Vice President, Risk Consultant
Willie Lindsey
Risk Consultant
Marsh Private Client Services
540 West Madison Avenue, Suite 1200
Chicago, IL 60661
Tel. 312.622.8209
ken.p.sidlowski@marsh.com
amanda.martinez@marsh.com
willie.t.lindsey@marsh.com
www.marshpcs.com
R E P R I N T E D F R O M
®
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