Kidnap & Ransom insurance policies provide coverage typically for monies paid to kidnappers or extortionists, loss of ransom in transit, and other expenses incurred as a result of a kidnapping. 

These threats are very real and can happen to any business.   Someone could have a grudge against you, your company or your employees.  Someone could even try to force you to reveal company trade secrets.  Even when no ransom money is paid, these stressful situations can create unexpected costs and have a significant impact on your business's bottom line.