Norman Taylor

Some will have kidnap and ransom cover, some won't.

Some will have a risk management strategy for it, but most will be prepared for it because they're sending staff overseas all the time.

So we will provide insurance cover to protect in case something happens.

Now, what an insurance company will do is attach to a crisis management company.

So when something happens, they'll ring the crisis management company.

Very similar to a boiler's broke at home, the insurance company then rings an engineer and it comes out and fix the boiler because the underwriters are not going to go and get somebody back from a kidnapping.

They need a specialist company to actually do it.

So typically what will happen is somebody will either put a claim in and it could be a private client

It could be an insurance company, could be a crisis management company.

That will come to me and say, this is the situation, what we've got.

Now, I used to sell those facilities and I used to put those into companies.

But I also used to deal with claims and recoveries.

And what we will do is we will put a negotiator in

And the negotiator will work out how it's all going to work.

And their job is to keep those lines open, et cetera, et cetera.

We'll have legal teams because we need to know what the law is in that country regarding paying ransom.

So it's a big team that goes in.

And then, of course, we need the cash.

So we'll put the cash together.

And the way the insurance typically works is the client pays the money first and then it gets reimbursed.