We work with clients of every size and in every sector
where there is a potential kidnap or extortion exposure.
Whilst any client with operations in and/or travel to
countries outside Europe and North America is exposed,
the industries most frequently targeted include:
Energy and Extractive Industries
Charities and NGOs
A market-leading Corporate All Risks Evacuation (CARE) policy which includes a contribution towards the development of evacuation plans and protocols to keep your people safe which enables effective decision-making.
We offer risk appetite analysis.
CARE provides insurance cover for four primary types of evacuation:
The Accident & Health team is the largest specialist team within the London Market with over 30 associates and multi-lingual capabilities; we can provide the following to Business Travellers, Expatriates (including family members) and Third Country Nationals worldwide:
Enhanced Personal Accident policy with a view to protect Insured Persons exposed to security incidents
Costs for access to Alert:24 Respond function covered by Insurers in the event of the following incidents:
Epidemics & Pandemics
Evacuation triggered by mere threat to personal security of Insured Person
Contribution from Insurers towards costs of Alert:24 Inform and Prevent functions available
The Terrorism & Political Violence Practice is the largest dedicated team of its kind within the London Market, fully established as market-leading within their field.
A flexible product is offered, with each contract tailored to the specific risk profile of our Client, whether a small company with a single exposure or a multinational corporation operating across the globe.
In a fast-changing world, our reactivity is such that we are always on hand to cover anywhere in the world, plug Political Violence gaps neglected by Property Insurers, and include valuable Business Interruption extensions derived from supply chain requirements.
Global, bespoke and flexible policies
Dovetailing with property & political violence to avoid gaps
SCR appreciates the complexities of operating in challenging environments and the changing threat landscape. Comprehensive kidnap programmes are built around a deep understanding of these factors. Clients of SCR benefit from:
Access to world leading specialist advisors – crisis response, legal, media and psychological.
The reassurance of financial protection against the costs of resolving an insured event.
Contribution from insurers towards risk reduction services, including the services of Alert 24.
Guaranteed access to Alert 24 'Respond' function.
Cover can include protections against:
Kidnap, extortion (including cyber & product), Hijack, Political Detention
SCR’s Accident and Health team is one of the largest and most experienced broking teams in its field in the London insurance market.
We specialise in niche risks involving Accidental Death, Injury or Sickness. Solutions range from simple Personal Accident policies to
complex, multi-benefit contracts for multinational clients. We have a particular reputation for innovative insurance products.
The team uses its extensive knowledge and experience of the market, with its well-established international networks to identify and
deliver the correct solutions for our clients, and drives competitive terms from quality markets. The team is proactive in designing the
best offerings available, channelling global resources to one, local point: our client.We are innovators: committed to developing fresh
strategies that counter the challenges that surround us now and that the future undoubtedly holds. The Accident and Health team provides
a secure platform from which our clients can operate with freedom and confidence.
The Accident and Health Team arranges Medical Expenses Insurance, necessary in the case of illness or injury suffered whilst out of one's
own country of residence on a business trip, holiday or working as an expatriate. This cover includes emergency assistance, repatriation and evacuation.
The team works with underwriters and specialist assistance companies to provide the following services:
A 24-hour helpline to assist in medical emergency situations.
Medical teams, and doctors who are trained in coordinating with local doctors to determine the most appropriate treatment.
Evacuation and Repatriation, where medically necessary or in the absence of appropriate local facilities.
The facility to arrange payment with local hospitals and service providers.
These services can be provided on a standalone basis, but more typically are built into a business travel or expatriate insurance programme.
With the ever-increasing emphasis on duty of care, companies need to provide the best protection possible to their personnel throughout the world.
Corporate Personal Accident and Business Travel Insurance ensures financial compensation and assistance should
the unfortunate happen. The company decides how best to use the money. It could be used to soften the blow to the business,
be paid directly to the affected employee or their family, or even used to employ a suitable replacement.
The SCR Accident and Health Team have a large portfolio of Group Personal Accident and Business Travel Insurance for multinational companies. Our growing portfolio comprises over 100,000 business travellers.
In addition we design solutions to international governmental, non-governmental and supra-national bodies. This portfolio
of business covers over 100,000 additional insured persons from 30 different entities for Group Personal Accident, Travel and Malicious Acts products.
Policies are designed to provide protection against the adverse financial consequences of accidents or illnesses of employees.
Coverage is also provided to safeguard money, travel documents and personal property and to compensate for delays whilst travelling on business.
Benefits can include:
Accidental Death & Disablement
Permanent Total Disablement from usual occupation for the company
Online pre-travel advice
Unlimited Medical, Rescue and Repatriation Expenses
Money and Travel Documents
Political and Natural Disaster Evacuation
Full cover for all territories and war/civil war
Policies are arranged on a group basis to cover employees or insured persons whilst travelling on the business of the company.
The scope of cover and benefits are selected to meet the employers' needs and Human Resources requirements, in coordination with any other employee benefits policies that may be in place.
Our strong relationships with the leading providers of insurance and emergency assistance solutions ensure that our clients have access to cutting-edge solutions to the risks facing their employees.
SCR Accident and Health based in London provides coverage for many large and small employers, both on a direct and reinsurance basis using many differing forms of cover.
We are currently used by many wholesale producing offices, to provide stop loss options on existing and new business opportunities
We are happy to discuss and advise on all aspects of medical stop loss coverage and bring many year’s experience to this coverage and bring viable solutions and options to our client base, be it for individual employer groups or tough to place risks.
We have at our disposal approved US carriers and the Lloyd’s of London marketplace
Stop-loss coverage’s available include, but are not limited to:
US Employer Group Medical Stop Loss
Specific Only (USD15,000 to USD500,000 deductibles and higher)
Specific Limits up to unlimited annual maximums
Flexible Options - to include Aggregating Specific Corridors if required
Insurance and Reinsurance Programs
Specific Excess of Loss protections on whole account, or individual group basis.
As well as the many regular specific and aggregate groups written to assist our wholesale clientele nationwide we also work on tougher accounts:
The 21st Century is characterised by an unprecedented interconnectivity of nations, people and information: Globalisation. With the economic and social
benefits that flow from this process also come significant changes and threats to our security. Political instability and radicalism, once understood
as confined to historically volatile regions of the world now directly impacts our lives at home. For companies and organisations operating on a global
scale, the management of political and security risks poses substantial and complex challenges. Faced with these demands, a company’s prime focus is
on their key asset: their workforce. Finding an all-encompassing insurance solution delivering Death and Disability cover for a multinational workforce
in high-risk territories compounds their challenge. Many Insurers have traditionally been reluctant to provide cover that addresses these needs. SCR’s
Accident and Health Team have devised a tailor-made insurance product, offering multinational companies and organisations an over-arching cover exclusively for their civilian personnel.
Our product is described as a specialist Malicious Acts Insurance Cover: it originates in our extensive experience in placing insurance for
various international organisations, whose history is of operating in the high-risk areas of the world. This specialist Malicious Acts Insurance
Cover is available on a world-wide basis, with no territorial exclusions, and compensates the Assured for Death and Disability related losses arising from:
Rebellion, Revolution and Riots
Sabotage and Explosion of War Weapons
Murder or Assault
The Cover includes standard Personal Accident insurance and can be extended to Nuclear, Chemical and Biological War and Terrorism incidents. In addition,
it can be combined with Emergency Medical Expenses, Evacuation and Repatriation cover. The flexibility of this product allows for bespoke solutions according
to the needs of each individual client in coordination with their existing insurance programmes. Cover can be arranged for expatriates and third country
nationals as well as locally recruited staff. Sums insured per person are available up to a maximum of 10 times the individual’s annual salary. Substantial
accumulation limits can be provided. Our team is one of the largest of its kind in the London market and our substantial expertise and experience opens all
major London and international insurers to us.
This combination of experience and scale means we understand the individual challenges facing organisations and know how to create precision risk solutions.
Term Life Assurance is designed to indemnify the beneficiary in the case of death of an Insured Person resulting from an accident and/or from natural causes.
Policies are arranged for employer groups, associations, sports teams or specific groups such as expatriate employees or executive management.
The sum assured is either a stated monetary amount or a multiple of salary. Typical limits on a group scheme would be five times annual salary per person, but higher limits can be secured, subject to financial justification.
Cover can be arranged on a standalone basis or in conjunction with Personal Accident and Sickness benefits such as Permanent and/or Temporary Total Disablement and/or Medical Expenses.
Key individuals are those employees essential to the success of Company operations, including completion of designated projects,
contracts or management buy-outs. Keyman Insurance is a composite cover which protects the purchasing Company against financial
losses arising from the loss of the services of key individuals connected with the Company, due to death or disablement from accident or illness.
The Company can use the insurance proceeds for expenses until they find a replacement person or, if necessary, pay off debts, distribute
money to investors or pay severance to employees. In a tragic situation, Keyman Insurance gives the company alternatives.
The components of the cover include Death from Any Cause and Permanent Total Disablement as a result of Accident and/or Illness of named individuals.
The importance of key individuals means that the sums insured required may be far greater than the amounts purchased as part of a standard employee benefit programme. Usually, sums insured reflect the contract value or the Company’s exposed value.
Cover is usually subject to receipt of a satisfactory proposal/medical form. Additionally, various medical tests can be required
depending on age and sum assured. A justification of the sums assured is also necessary.
All information is handled on a strictly confidential basis.
Professional sports have become very big business nowadays with substantial revenues generated from television rights, merchandising and gate receipts.
The cost of enticing the best sports professionals has increased dramatically. The salary packages required to maintain the top performers are often the
largest expense a team faces. Each player represents a substantial investment: his or her unavailability, temporary or long-term, a commensurately grave financial loss.
It is imperative, therefore, to protect these players, as an injury can turn a key asset into a very expensive spectator.
The Accident and Health team specialises in designing and placing policies for top sports clubs, including leading soccer, basketball, golf, rugby,
cycling, volleyball and motor-racing teams. The risk transfer through insurance is mainly provided to Sporting National Federations (national squads),
leading sports teams, individual players, sponsors and third party investors.
The increasing number of chronic and acute injuries due to increasingly intensive sporting schedules and more competitive sporting activities compel clubs and sporting institutions to scrutinise the management of their key risk, their players.
More preventative work is being conducted by physiotherapists, doctors and training personnel in order to reduce the risk of injury before the event.
There is sharpening focus on appropriate medical treatment and rehabilitation for injuries and illnesses. In combination with the above, SCR provides
specialist sports protection solutions. These range from risk transfer capabilities, reducing exposure – to risk prevention and injury response services.
We constantly examine possible innovations in this ever-changing field.
The benefits that can be insured are:
Death of an individual by natural causes and/or as the result of an accident.
Permanent Total Disablement of an individual due to an accident or sickness which entirely prevents that individual from attending their usual occupation.
This protects the Asset Value of the individual which can be either represented by their market value or by their estimated projected earnings.
Cover for the Temporary Total Disablement of an individual due to an accident or sickness which prevents that individual from attending their usual
occupation for a period of time. Financial protection to the club or team is provided by reimbursing the salary paid to a team member while they are
unable to attend to their duties. There is a time deductible (usually between 30 and 60 days per event) and an indemnity period of 12 months
(including the deductible); the sum insured usually equals to the annual salary of the individual.
A special policy can also be arranged to cover the accumulation risk of a team travelling together - for instance, on the same aircraft. This is usually arranged due to the high cumulative sums involved.
These policies can be written separately or as part of a comprehensive programme, as they are designed to cover the different financial interests the club or team
has in its members. As the money involved in sports rises, so does the potential financial loss to the sports teams and clubs as a result of injury or illness within the team.
This unusual class of business is difficult to define because of the multitude of risks it embraces. The underwriting and placing of all Contingency business
requires detailed knowledge of the risks involved, but the class is capable of infinite expansion as new situations and circumstances arise.
We at SCRL have a highly capable team that have a great deal of experience of placing this class and the team have been involved in the placing of Contingency
Insurance for a wide variety of Events worldwide. These have included the Rugby and Soccer World Cups, Formula One GP’s, Moto GP’s, Ryder Cup, Dubai World Cup,
Air Shows, various Conferences and Exhibitions including majors such as Mobile World Congress, theatrical productions on Broadway, London’s West End and elsewhere,
concerts and tours involving some of the worlds major artists, internet lotteries, over redemption promotions and many other events to numerous to mention.
Our business is predominantly placed in Lloyd’s and International Insurance Companies (A rated).
The principal Contingency Products we place are as follows
Cancellation, Abandonment, Postponement, Interruption or Relocation
Intergovernmental and Non Governmental Organisations face many challenges in an increasingly unpredictable world. Activities
range from providing local resources on projects assisting countries recovering from war or natural disaster, to helping countries
developing trade and service economies. These varied activities lead to a diverse multi-cultural workforce, spread across the globe.
Workforces are the key asset in the operation of these organisations. They often fall outside local social security systems, due to the
special privileges and immunities afforded to these organisations. Provision must therefore be made by employers for income protection and
dependant’s support should their staff be injured or become ill as a result of performing their official duties.
Our team have over fifty years’ experience arranging Injury and Illness insurance for such organisations. Working with insurers and our
specialist Liability Wordings Team we have developed policy wordings which meet the specific needs of international organisations,
reflecting their contractual obligations to staff under the specific forms of contract used. One such wording is an Injury and Illness
compensation insurance, which follows the contractual obligations of staff compensation plans and meets awards made within the terms of these plans.
More and more organisations whose work is predominantly project-based are employing greater numbers of short-term staff and consultants.
We can arrange Injury and Illness insurance, paying a predefined capital sum benefit in the event of a claim and which can be tailored to specific requirements.
In recent years there has been a noticeable increase in terrorist attacks, threatening areas and groups which were not previously seen as targets.
Intergovernmental and Nongovernmental organisations have staff in many parts of the world where there is war and unrest, as well as large accumulations
of staff in headquarter locations in major cities, which have become more frequent targets for terrorists. Injury and illness insurance against malicious
acts including acts of terrorism can be arranged by the SCR Accident and Health Team.
Based at Lloyd’s of London, AKE Intelligence provides Global Intelligence AKE (Global IntAKE), an online intelligence resource that offers information and advice on security, political, medical and travel issues facing individuals and organisations around the world. The site monitors worldwide trends and provides forecasts of the key security, political and economic issues facing global markets and environments. It is updated in real-time and contains risk-mitigation advice for the latest emerging hazards.
Miller Insurance Services LLP
70 Mark Lane