PROTECTION for YOUR CLIENTS’ PEACE OF MIND
The Family Security Protection Policy gives families and individuals the support and desired timely response needed to address and manage crises, as defined below. This cutting-edge insurance policy is provided by a world leading insurer and emergency response team to help give you peace of mind knowing you are doing everything you can to protect your family.
24/7 Global Emergency Response Team
Unlimited Global Crisis Response 365 Days a Year
Financial Protection up to $250,000 USD
Guaranteed Coverage for ALL Household Family Members
in the EVENT of:
Cyber Bullying: A threat made over the internet toward you or a family member to inflict bodily injury, abduct an insured person, damage, destroy, or contaminate any property, or reveal confidential or proprietary information which is a direct threat to life.
Threat: A threat to harm, kill, injure, or abduct a family member
Home Invasion: Armed intrusion into your home by persons for the purpose of financial gain
Wrongful or Illegal Detention: Unlawful holding of a family member on fraudulent charges
Disappearance: Disappearance of a family member
Assault: An assault of a family member with a deadly weapon
Extortion: A threat to your family with an accompanying financial or ransom demand
Hostage Crisis: Holding of 3 or more people for financial demand
Kidnapping: Abduction of a family member
How much coverage does it offer and for what?
The coverage is USD $250,000 for all insured headline coverages and USD $1M with respect to expert crisis response advisors.
View Coverage Limits
| Coverage | Limit |
| Kidnap | USD 250,000 per insured event** |
| Extortion | USD 250,000 per insured event |
| Hijack | USD 250,000 per insured event |
| Wrongful Detention | USD 250,000 per insured event |
| Disappearance | USD 100,000 per insured event |
| Threat | USD 10,000 per insured event |
| Express | USD 5,000 per insured event |
| Assault | USD 5,000 per insured event |
| Home Invasion | USD 100,000 per insured event |
| Hostage Crisis | USD 25,000 per insured event |
| SR-M Response*** | USD 1,000,000 per insured event |
| ANNUAL PREMIUM PER POLICY | USD 500.00 |
BRP COLLEAGUE BINDING REQUEST
Please Note: Submitting this form will formally bind a policy for your client.
What is the coverage?
This policy is like a personal security concierge service for families and individuals that provides 24/7, global emergency response and financial protection.
How long has this coverage been around?
This coverage has been available for almost 40 years.
Who should invest in this coverage?
Those who want to protect their family and assets in this unpredictable and increasingly higher risk world.
How long is the coverage in place?
The coverage is in place for one year then automatically renews.
Where does it cover the individual(s)?
It covers individuals and families globally at home, at school, and overseas on holidays and trip.
How much coverage does it offer and for what?
The coverage is USD $250,000 for all insured headline coverages and USD $1M with respect to expert crisis response advisors.
What else is included?
Families may request advice and assistance at any time and can also benefit from country risk reports that are provided.
How much does it cost?
It costs USD $500 + taxes and applicable fees per year for the entire family (up to 25 insured family members – it is the family’s prerogative to decide who they insure and will declare the number to be insured at the point of instruction.
How does the crisis response work?
Each family is given exclusive access to an emergency response number which can be “triggered” 24/7 in the event of a crisis. Crisis advisors will deploy to the area of incident and provide constant telephone advice to ensure the incident is handled and resolved in a professional, expert manner. This number is 24/7 and available globally, so it can be used at any point when a family or individual feels they are suffering a crisis or are about to experience one.
Can’t I just rely on the police?
You can, and this policy works in tandem with authorities, but our family clients like to have the peace of mind that an incident will be handled privately with priority access, particularly when incidents are responded to effectively by police on such a regular basis.
Why do families buy this policy?
This policy is purchased to give them peace of mind, that whatever or wherever the crisis, they know they can pick up the phone and be connected to the best advisors in the world.
COVERAGE
Policy Name: BRP Family Protection Security Policy
Policy Offers: Protection and indemnity in the event of the following events affecting American families:
- Cyber bullying or you or a family member
- Wrongful detention of a family member
- Extortion
- Threat to the family
- Missing family member
- Express kidnap – a short term abduction or robbery of a family member
- Assault of a family member
- Hostage crisis and terrorist attack
- Kidnap of a family member
HOW DO YOU ACCESS & SUBMIT A POLICY REQUEST?
- Complete the form above.
- A policy is bound upon completion and electronic submission via the family protection form above. Submissions can be completed direct by consumer or by BRP colleague on behalf of consumer.
RULES OF ENGAGEMENT – WHEN IS THIS APPROPRIATE TO OFFER TO A CLIENT?
- Speak to your prospects and clients about this now!
- There is never a better time than the present.
- It is new and cutting-edge program at unbelievably inexpensive premiums.
- Renewal conversations about other lines of coverage are a good time to raise this as an option.
HOW IS A POLICY SERVICED?
- Simply contact your BRP point of contact and ask them to provide details.
- A policy is bound on your instruction and requires no quote or underwriting process.
CONTACT THE FAMILY PROTECTION TEAM
MIKE KELLY
Managing Advisor - AHT Insurance
ANGIE KINNEY
Director of Client Services - AHT Insurance
ASHLEY COLES
Director - Security Risks, Price Forbes
EXAMPLE COVERAGE SCENARIOS
KIDNAPPING
A family on holiday in Mexico were stopped by an armed gang when withdrawing cash at an ATM. The wife was forced into the gang’s vehicle and driven around the city being forced to withdraw sums of cash from the family’s bank account. The wife was left in a dangerous part of town.
COVERAGE
Crisis responders located the wife after 6 hours and provided safe transit back to the hotel where they provided temporary security for the family, organized safe flights out of Mexico, and escorted them to the airport. They received financial reimbursement and the wife’s trauma counseling costs were covered.
HOME INVASION
A family home was illegally entered by two armed men early in the morning. They refused to release the wife unless the husband went to his place of work and brought back a sum of cash being held on premises.
COVERAGE
Post event security response reviewed the premises and investigated the perpetrators, resulting in them being detained by authorities. Full financial reimbursement and psychological counseling coverage was given to the couple.
EXTORTION
The daughter of a policyholder received an unusual message on a social media site. It demanded$35,000 USD or she would be harmed at school, and it listed the school she attended.
COVERAGE
As the message mentioned the academic institution, it was deemed necessary to provide the daughter with covert protection for the following days. Crisis advisors began investigations, and it was revealed that the extortion and the threat were a hoax from a well-known organized crime group.
THREAT
The CFO of a small healthcare firm who was also a father and husband in California began to receive threatening emails from an ex-employee. The letters implied that unless the member of staff was given his job back, he would harm the CFO’s family. At the same time, letters with similar content began to arrive at the family home.
COVERAGE
Security measures for the family’s home and CFO’s work were immediately implemented. Crisis responders began investigations into the nature of the threats to determine the legitimacy and it was determined they were legitimate. The response team produced detailed reports about the events and submitted them to the authorities resulting in an arrest and court case.
This material has been prepared for informational purposes only. Coverage determination is made at time of loss. Please consult with your own tax, legal or accounting professionals before engaging in any transaction. AHT Insurance® is the registered trademark of Armfield, Harrison & Thomas, Inc. Family Security Protection insurance products and services are offered through the licensed insurance professionals of Armfield, Harrison & Thomas, LLC, Armfield, Harrison & Thomas, Inc. (NY) and Armfield, Harrison & Thomas Insurance Agency (CA). National Producer Number: 663637/California License 0658748. For more information about Baldwin Risk Partners, please visit baldwinriskpartners.com.