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Kidnap and ransom insurance is designed to guard individuals and companies working in high-risk areas around the world in opposition to the perils of kidnap, extortion, wrongful detention and hijacking.<br>In some geographical areas,  [http://oldwiki.bedlamtheatre.co.uk/index.php/Amica_Mutual_Insurance oldwiki.bedlamtheatre.co.uk] the policy might exclude certain forms of dangers, such as flood or earthquake, that require additional coverage. Maintenance-related issues are sometimes the home-owner's accountability. The policy could embody stock, or this can be bought as a separate policy, [http://zoe-beauty.be/user/WilmerDrury3666/ zoe-beauty.be] particularly for people who hire housing. In some countries, insurers offer a package deal which can embrace liability and [https://tinyurl.com/y5ud7z37 tinyurl.com] legal responsibility for accidents and property injury brought on by members of the household, together with pets. 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