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In an increasingly uncertain global and local landscape, risk management extends far beyond cyber threats and business interruption. For South African executives, directors, and high-profile business owners, personal safety is becoming a growing concern—especially when travelling or operating in areas considered high risk.
While many businesses invest in asset protection, insurance, and disaster recovery, Kidnap and Ransom (K&R) insurance is often left off the risk register. Yet, it can provide essential protection when leadership is at its most vulnerable.
Understanding the risk
Kidnap for ransom is no longer a rare occurrence confined to high-risk jurisdictions. In recent years, South Africa has seen a rise in high-profile abductions and extortion-related incidents, often targeting business leaders, prominent individuals, or their families. These incidents are not only traumatic but can also have far-reaching financial and operational impacts on a business.
K&R insurance provides cover for incidents involving kidnapping, extortion, unlawful detention, and hijacking. More importantly, it includes access to specialist crisis response consultants who assist in managing the incident from negotiation to safe resolution.
Who should consider K&R insurance?
K&R insurance is particularly relevant for:
- C-suite executives and board members
- Business owners and entrepreneurs
- Professionals working or travelling in high-risk regions
- Employees or executives operating in sectors like mining, construction, logistics, or energy
Even if international travel is limited, local exposure may still warrant serious consideration. The risk is not always about the likelihood of an incident—it’s about being prepared if one occurs.
Business impact of an unplanned crisis
The direct financial consequences of a kidnapping or extortion incident can be significant, including ransom payments, consultancy fees, legal costs, and reputational damage. However, the operational impact can be just as severe. A disrupted leadership team can stall decision-making, affect staff morale, and create uncertainty across stakeholders.
Having a clear response plan supported by the right insurance coverage is a critical part of ensuring continuity and minimising harm to your business and your people.
How MMS Group supports your risk management
At MMS Group, we understand that protecting your business means more than just balancing the books. Risk management should take a holistic view—one that includes your people, operations, and leadership security.
Through our advisory network, we help clients assess their risk exposure, align their insurance strategies, and ensure the correct protections are considered for executives and shareholders. We also work closely with business leaders to integrate risk mitigation into their broader governance and compliance framework.