Travel and people
Identify relevant countries, trips, travelers and time spent away. Include the prior 12 months and planned travel for the next 12 months where requested.
Kidnap, Ransom and Extortion Insurance
Start a business insurance review for kidnap and extortion risks. Describe your operations, the people involved, business travel and any overseas locations so the requested protection can be assessed.
Licensed in California
Menlo Insurance Services is the filed name of Opero Labs Inc. California license #6020106.
Eight brokers, one team
Our eight brokers work together as one Menlo team, so you can reach a person who understands your account.
Independent brokerage
We hold appointments with multiple carriers, so the quote is shopped rather than served from one shelf.
Start with where your people and business operate
A travel schedule and a permanent overseas operation raise different questions. The application keeps those exposures separate and asks about both recent activity and future plans, along with the limits and terms you want reviewed.
Overseas operations
Describe existing and anticipated locations, their activities and employee numbers. Explain the safety practices used for operations and travel outside the United States.
The coverage request
Share requested limits, retentions, prior coverage and related losses or known circumstances. The application also asks about applicable food, beverage or pharmaceutical production exposures.
What to have ready
- A description of your business and relevant operations
- Recent and planned travel by country
- Existing and anticipated overseas locations
- Requested coverage terms, prior insurance and related loss information
What changes your premium
These details help insurers assess your business and price the coverage. Terms and available options vary by insurer.
- Business activities and people to be covered
- Countries, travel frequency and overseas locations
- Requested limits, retentions and prior coverage
- Safety practices, related losses and known circumstances
Questions we get asked
Is this ordinary travel insurance?
No. This is a business application for kidnap and extortion coverage, not a general travel medical or trip-cancellation application. The precise protection, exclusions and people covered depend on the policy offered.
Do future trips and planned locations matter?
Yes. The application asks about travel during the prior and upcoming 12 months, as applicable, and distinguishes existing from anticipated overseas locations. Keep those plans separate from completed travel and current operations.
Does the application guarantee coverage in every country?
No. The countries, activities, people and requested terms require underwriting review. Completing this form does not establish eligibility in any country or guarantee a particular policy benefit.
What happens after I finish?
Your information is collected for broker review. Carrier delivery and any additional documents still require handling; this is not an automatic carrier submission, an instant quote or coverage in force.
Ready to compare your coverage options?
Start your application online, or talk with a licensed broker about your situation.