Gallagher Crisis Protect

Blackmail

Situation

The Chief Financial Officer of a department store in Baltimore received a phone call threatening to reveal personal information to the press unless the perpetrator received USD7,000. The nature of the threat had the potential to cause significant reputational damage.

Definition

Blackmail means the demand of money, property or services from the policyholder or an insured person(s) in return for not revealing compromising or injurious material information.

Deprivation

Situation

After individuals entered a small office in Cincinnati and severely vandalized workspaces, the area was deemed no longer fit for employees to work in.

Definition

Deprivation means the denial of access/ingress, egress caused by an insured event(s) as listed in the "Schedule" to the policyholder's real property and/or property imposed by a public authority and/or military authority.

Detention

Situation

The Sales Manager of a small Dallas electronics company is travelling to Mexico to meet with clients. He's detained at a police checkpoint over the Mexico-US border for unknown reasons. He manages to call his office, which then escalates the problem to the Arthur J. Gallagher Crisis Resilience Solution response line. Upon activation of the policy, response consultants could be deployed to the location to ascertain why the employee has been detained and work in conjunction with local embassy officials to ensure his swift release. This is most likely a case of mistaken identity, and the client would subsequently be released. Without the quick intervention of response consultants, the Sales Manager could be held for up to 72 hours.

Definition

Detention means the holding under duress of any insured person(s) for whatever reason, other than kidnap or hijack or hostage crisis, irrespective of whether such holding under duress is by legal governmental authorities in the place of custody or by other parties.

Disappearance

Situation

The father of the Marketing Director of a San Francisco-based real estate company was vacationing in Tennessee. His family was growing concerned after he had failed to contact them.

Definition

Disappearance means when any insured person(s) has been missing during the policy period for a period exceeding forty-eight (48) hours from the last confirmed contact with such insured person(s).

Hijack

Situation

A plane heading to Cairo from JFK Airport is hijacked. A company believes one of their Directors is on board.

Definition

Hijack means the illegal holding under duress of any insured person(s) whilst travelling on any aircraft, vehicle or waterborne vessel for a period in excess of four (4) consecutive hours.

Employee Dishonesty

Situation

The office manager for J & S Recovery, Inc., an automobile repossession company, admitted embezzling approximately USD390,680 from her employer over five years.

Definition

Employee Dishonesty means any fraudulent or dishonest act or omission by an employee.

Extortion

Situation

A local security technology company in Minneapolis wins a contract to install surveillance cameras in a large outlet village. Shortly after the contract is awarded, they're contacted by an unknown individual informing them they will be required to pay a USD5,000 protection fee to ensure the cameras operate continuously.

Definition

Extortion means the making of illegal threat(s) either directly or indirectly to the policyholder to:

1. kill, injure or abduct an insured person(s); or
2. cause damage to or loss of real property and/or property; or
3. disseminate, divulge or utilise trade secrets or proprietary information including any personal, private or confidential data; or

Emergency Repatriation

Situation

Volunteers from a non-governmental organization (NGO) based in Washington, DC are working in South Sudan promoting clean water initiatives when hostilities between government and rebel forces flare in Juba. The team is stranded and unable to get any commercial flights back to the US.

Definition

Emergency Repatriation means the evacuation of one or more insured person(s), or, in the event of death and disablement, their remains, from the country where the insured person(s) is employed or visiting (but is not a national of), to the nearest safe location or to their resident country as a result of an evacuation advisory. For the purpose of this policy emergency repatriation is deemed to include loss(es) and/or claim(s) caused by natural catastrophe.

Hostage Crisis

Situation

The Captain of a small freight transport vessel is assaulted and held hostage in Boston harbour while criminals steal his cargo. The offenders then take him in their vehicle where he's later released at a remote gas station. He calls his office, which in turn reports the offence to local police.

Definition

Hostage Crisis means the illegal holding of one or more insured person(s), for a period in excess of one (1) hour, by an opposing party who demands that a set of specified terms are met as a condition of the release of such insured person(s).

Kidnap

Situation

While exploring investment opportunities in Honduras the President of a large New York retail group is kidnapped by an organized gang. A significant ransom is soon demanded.

Definition

Kidnap means the illegal actual alleged or attempted taking and holding captive of one or more insured person(s) by persons who then demand specifically from assets of the policyholder a ransom as a condition of the release of such captive(s).

Radicalisation

Situation

On October 31st 2017, Uzbek immigrant and permanent US resident Sayfullo Saipov killed at least eight people by driving his truck through a crowded bike lane. Saipov was not able to find stable work, he increasingly grew resentful, angry and ultimately depressed at which point he separated from his otherwise moderate U.S.-based community. Due to his depression and isolation, Saipov became vulnerable to the teachings of radical preachers online who shared ISIS' ideology.

Definition

Radicalisation means any vicious act intended to persuade any member of the workforce to engage in, support, or in any other way perpetrate the commission of an act of terrorism and/or sabotage and/or vicious attack and/or kidnap and/or detention and/or hostage crisis.

Sabotage

Situation

A construction company in Denver wins a contract to build a residential complex over a competitor. After the contract is awarded, company machinery critical to the project is sabotaged, putting the contract in jeopardy. The competitor is believed to be responsible.

Definition

Sabotage means actual or attempted damage, disruption, or subversion of the policyholder's operations by persons who are solely and directly targeting the policyholder, their organization or operations, which occurs on or against the policyholder's real property and/or property for the purpose of effecting unfavourable publicity, delays in production, damage to real property and/or property, the destruction of working relationships and/or the harming of an insured person(s).

Stalking

Situation

A Portland teacher, after being terminated from a school for intimidating behaviour towards other faculty members, begins to stalk the school's principal. She's followed on multiple occasions and bricks are thrown through the windows of her home.

Definition

Stalking means a series of connected actual or attempted acts committed with the intent to harass, injure or harm any insured person(s), but only if the person committing the act is the subject of a court order or injunction issued to protect any insured person(s) and the incident is formally reported to the police within forty-eight (48) hours of the incident.

Threat

Situation

Gang members in Phoenix threaten a small business owner and her family with violence after an argument.

Definition

Threat means a threat made specifically against the policyholder (without demanding ransom) by a person or group to commit or attempt to:

1. kill, injure or abduct any insured person(s);
2. cause damage or loss(es) of real property and/or property and/or financial loss;
3. disclose, disseminate or utilize proprietary information, including any personal, private or confidential information on or about the policyholder.

Situation

A hospital in St. Louis receives a message on their computer system informing them that their network has been infected by malware and perpetrators have seized control of the hospital's computer systems. Control will only be given back to the hospital if USD25,000 is paid to the perpetrators.

Definition

Cyber Extortion (coverage in respect of crisis consultant costs only means the making of illegal threat(s) either directly or indirectly to the policyholder to:

• disseminate, effect loss of or cause damage to electronic data, including the modification of data and denial of access to computer or network services;
• introduce a computer virus into the policyholder's systems; by persons who then demand specifically from assets of the policyholder or any insured person(s) a ransom as a condition of not carrying out such threat(s).

Situation

A meat packing warehouse in Kansas City is an important supplier to US supermarkets. They receive a threat that pieces of metal will be added to unspecified packages unless they cease supplying a particular store, whom the perpetrator claims is mistreating employees. The incident has the potential to cause severe damage to both the brand and reputation of the company.

Definition

Product Tamper (coverage applicable to consulting costs only) means the actual, alleged or threatened alteration or contamination of the policyholder's products by any person who intentionally, wrongfully and viciously renders the policyholder's products dangerous for its intended use or consumption or creates such an impression to the public.

There are no similar policies in the marketplace that offer indemnity and response coverage for as broad a range of insured events with as extensive a range of risk management services.

The short answer is “No.” In order to obtain coverage for as broad a range of crises, many separate insurance policies would have to be purchased at a much higher cost to your business

Insureds have access to a 24-hour data hotline to report actual or even suspected incidents