KEY PERSON:
Covers a specified amount following the death or disablement of selected key personnel. This cover should be purchased where the loss of key personnel may result in loss of market confidence, significant cost of employee replacement, short-term cash flow difficulties, debt foreclosure, etc.
KIDNAP, RANSOM AND/OR EXTORTION:
Covers ransom monies and negotiation expenses in the event of kidnap of an employee or members of their family or resulting from threats against property.