Kidnap & Ransom Insurance

Protect Yourself From Financial Loss

Torian Insurance offers a variety of kidnap and ransom insurance policies to ease the financial burden in the unexpected event of a kidnapping, extortion, ransom or illegal detention.

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Call (812) 424-5503 or fill out the form below to get started.

The World Is Perilous- Prepare For The Unthinkable

Being kidnapped is a scary thought, but it’s not out of the realm of possibilities. In the chance you are kidnapped, ransom can be millions of dollars. Kidnap and ransom insurance for individuals, sometimes referred to as K&R insurance, provides protection against the financial losses that may result from a kidnapping or ransom demand. You might need kidnap and ransom insurance if:

  1. You have a high net worth and own valuable possessions
  2. You are a well known public figure
  3. You travel abroad frequently


While no one likes to think about the possibility of being the victim of a kidnapping, it’s important to be prepared in case it does happen. 

Reduce Your Financial Risk With Kidnap And Ransom Insurance

Contact A Trusted Insurance Agency

Insurance can be complicated, but that's why we are here to help. With 100 years of experience in the insurance industry we can answer all of your questions.

Find The Right Coverage For You

Based on your specific needs and personal risks, Torian will help customize your kidnap and ransom insurance policy.

Get Protected & Rest Easy

Your safety matters to us. While we can't prevent the unthinkable from happening, we will be with you every step of the way. Kidnap & ransom insurance reduces your financial burdens and gives you one less thing to worry about.

We pride ourselves in offering the best insurance coverage and services throughout Southern Indiana.

You can rest easy with Torian. As independent Insurance agents, we work for YOU, not the insurance companies! Our expert staff has your best interest at heart which means providing the best coverage.

Variety Of Insurance Policies

We offer a variety of policies to find the perfect one for YOU!

Peace Of Mind

You'll have peace of mind knowing that your family is protected in case of an emergency.

Trusted Partner

If something happens, our team will be there with you every step of the way.

Bundled Discounts

Bundle discounts save you time and money on all of your insurance needs.

Kidnap And Ransom Insurance FAQs

Kidnap and ransom insurance is a type of insurance that provides coverage in the event that an individual is kidnapped and a ransom is demanded for their return. The insurance can provide financial coverage for the ransom itself, as well as any expenses incurred in the course of negotiating with the kidnappers.

Kidnap and ransom insurance is typically purchased by individuals who have a high net worth, own valuable items or travel abroad frequently. Individuals who work in high-risk occupations, such as journalists, aid workers, or business executives should also consider K&R insurance. It is also frequently purchased by individuals who are celebrities, famous musicians, well known public figures or professional athletes. K&R insurance can also be purchased by businesses, non-profits, and other institutions.

Kidnap and ransom insurance typically covers the ransom payment, as well as expenses related to the kidnapping, such as the cost of hiring a negotiator, extortion, and legal costs. It is important to remember, however, that insurance will not protect against all risks associated with kidnap and ransom situations. Individuals and businesses should consult with their insurance agent or broker to determine if this type of coverage is right for them.

If you are kidnapped, you or your family will need to contact your insurance company immediately. The company will then work with professionals to determine how to best proceed with the kidnapping and secure the individual’s release. In most cases, the insurer will reimburse you for the ransom paid and other expenses.

The cost of kidnap and ransom insurance varies depending on the individual’s risk factors. Factors that affect the cost include the individual’s occupation, travel schedule, and whether they have any personal security measures in place.

We just love working with Torian! Everyone is so wonderful and helpful. We have had excellent guidance, explanations, and recommendations for all of our insurance needs. We completely trust Torian and never have to worry about a thing. Thank you!

Kimberly H.

I am confident Torian is looking out for my best interest. I don’t worry about when or if something will happen because I know I have the best coverage I can get and at the best cost. Thank you Torian for the great service you offer.

Debra H.

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