INSURANCE COORDINATION FOR SECURITY CONSULTANTS AND PROTECTIVE SERVICE ADVISORS
Kelly Insurance Group provides specialist insurance coordination for security consultants and protective service advisors whose high-profile clients need insurance programs that complement their physical security arrangements — K&R coverage, personal security risk insurance, executive protection cost coverage, stalking and harassment response coverage, and the coordination between the security risk profile and the personal insurance program.
HOW KELLY INSURANCE GROUP SUPPORTS SECURITY CONSULTANTS IN BUILDING COMPLETE CLIENT PROTECTION PROGRAMS.
A high-profile client's protection program has two layers: the security layer, which addresses threat prevention and incident response, and the insurance layer, which addresses the financial consequences of security incidents. A security consultant who coordinates with a specialist insurance partner ensures that both layers are in place — and that the insurance program reflects the specific risks identified in the threat assessment.
Kidnap and ransom coverage provides immediate access to a professional crisis response team — experienced negotiators and security consultants who manage the response to a kidnapping, extortion, or wrongful detention incident. This crisis response capability complements the physical security program: security measures reduce the probability of an incident; K&R coverage ensures the best possible response when prevention fails. For clients traveling internationally or with elevated threat profiles, K&R coverage is as important as the physical security program.
Specialty personal security risk insurance addresses the financial costs of security incidents that the physical security program cannot prevent: stalking and harassment response costs — legal action, security upgrades, temporary relocation; executive protection costs following a credible threat; and crisis communications costs when a security incident becomes public. These costs are not covered by standard homeowners or umbrella policies and require specific specialty coverage.
A client with an active executive protection program has employer liability for the security personnel involved — whether those personnel are direct employees or contracted through a security firm. Workers compensation for directly employed security staff, employer liability for their actions, and vicarious liability for contracted security agents all require insurance coverage that is specifically reviewed in the context of the household's security program.
A security consultant providing travel risk assessment and destination briefings for a high-profile client is addressing the same risk landscape as the client's travel insurance program. Confirming that K&R coverage is in place for elevated-risk destinations, that security evacuation coverage is available alongside medical evacuation, and that personal cyber security protocols and insurance are coordinated — before the client departs — creates a complete travel risk program.
SECURITY CONSULTANT INSURANCE SUPPORT SERVICES
SECURITY CONSULTANTS WHO WORK WITH KELLY INSURANCE GROUP.
Any security consultant or protective service advisor whose high-profile clients have security risk profiles that create corresponding insurance needs benefits from a specialist insurance partnership with Kelly Insurance Group.
- Security consultants conducting threat assessments for high-net-worth and public-facing clients who identify insurance gaps alongside security gaps
- Executive protection advisors whose clients have active security programs requiring security staff employer liability and workers compensation
- Security professionals who provide international travel risk assessments and want a K&R and travel insurance partner for their clients
- Security consultants whose clients have experienced stalking or harassment situations that may have insurance implications
- Protective service firms whose clients need comprehensive security risk insurance to complement their physical security programs
- Any security consultant who wants a specialist insurance partner for the insurance dimensions of their client security programs
SELECT A SCENARIO TO SEE HOW KELLY INSURANCE GROUP SUPPORTS SECURITY CONSULTANTS AND THEIR CLIENTS.
Security consultants and insurance advisors address the same risk landscape from different angles — prevention and response on one side, financial protection on the other. Coordinating both provides the most complete protection for high-profile clients.
Security consultants conducting threat assessments for high-profile clients often identify insurance gaps alongside security gaps — an umbrella inadequate for the client's threat profile, no K&R coverage for a client traveling to elevated-risk destinations, no personal security risk coverage for a client who has received credible threats. Kelly Insurance Group provides insurance support that complements the threat assessment process.
- K&R coverage — for clients with elevated kidnap and extortion threat profiles
- Personal security risk coverage — executive protection and stalking response costs
- Personal umbrella review — adequacy relative to the client's public profile and net worth
- Personal cyber — account takeover and financial fraud for high-profile clients
- Travel risk coverage — medical evacuation and security evacuation for international travel
WHAT KELLY INSURANCE GROUP PROVIDES.
K&R COVERAGE AND THREAT RESPONSE
Kidnap, ransom, and extortion coverage placement for clients with elevated threat profiles — including crisis response team access, family member coverage, and pre-travel intelligence services for international travel.
PERSONAL SECURITY RISK INSURANCE
Specialty personal security risk coverage for stalking and harassment response costs, executive protection cost coverage, temporary relocation, and crisis communications — the insurance layer that complements the physical security program.
SECURITY STAFF LIABILITY AND EMPLOYER COVERAGE
Workers compensation for employed security personnel, employer liability for security staff actions, and vicarious liability review for contracted security agents — covering the employer obligations that come with an active executive protection program.
TRAVEL RISK INSURANCE COORDINATION
Coordination of the travel insurance program with the security travel risk assessment — K&R for elevated-risk destinations, security evacuation, medical evacuation, and personal cyber protection for international travel.
FOUR INSURANCE GAPS SECURITY CONSULTANTS IDENTIFY IN CLIENT ENGAGEMENTS.
A threat assessment that identifies an elevated kidnap or extortion risk for a high-profile client who has no K&R coverage in place has identified an insurance gap as significant as any physical security gap. K&R coverage should be placed before a credible threat materializes — having it in place before an incident is what gives the crisis response team the authority and tools to act.
An executive protection program that employs security personnel without workers compensation in place has created direct employer liability for any work-related injury. A security consultant who identifies that the client's security staff lacks workers compensation can provide meaningful value by flagging this gap.
A stalking or harassment situation that a security consultant has assessed and begun managing may involve costs — legal action, security upgrades, temporary relocation — that are not covered by the client's standard homeowners or umbrella policy. Confirming or placing specialty security risk insurance in the early stages of the situation is more efficient than discovering the coverage gap mid-incident.
A security consultant providing a destination briefing for a high-profile client traveling to an elevated-risk region who has no K&R or security evacuation coverage in place has identified an insurance gap that directly affects the travel risk program. Coordinating this coverage before departure is part of a complete pre-travel preparation.
QUESTIONS ADVISORS OFTEN ASK.
How does K&R coverage complement a physical security program?
K&R coverage provides crisis response capability and financial coverage when an incident occurs; physical security reduces the probability that an incident occurs. The most important component of K&R is immediate access to an experienced crisis response team — negotiators and security consultants who manage the response from first notification. Having both the physical security program and the K&R coverage in place creates the most complete protection.
Does a security consultant's threat assessment affect the client's insurance?
It can. A documented threat assessment that identifies specific risks — elevated K&R exposure, credible threats that have generated a response, or a specific security incident history — is relevant context for specialty insurance placement. Some specialty security risk products require documentation of the threat profile. Kelly Insurance Group works with the security consultant's assessment as part of the insurance placement process.
What insurance does a client need for employed security staff?
Employed security personnel require workers compensation in most states. The employer — the private household — also carries employer liability for the actions of security staff in the course of their duties. For contracted security personnel who are not direct employees, the liability structure is different but vicarious liability may still apply in certain circumstances. The specific coverage structure depends on how the security staffing is organized.
Is K&R coverage confidential?
Yes. K&R coverage is designed to be kept confidential — disclosing that coverage is in place can increase targeting risk. The confidentiality expectation extends to security consultants working with the client's team. K&R coverage should be known only to the client and directly involved advisors, not disclosed publicly.
Can Kelly Insurance Group work directly with the security consultant's team?
Yes. We establish communication protocols that fit the security consultant's working relationship with the client — coordinating on the insurance components of the security program at whatever level is most useful for the specific engagement.
What is security evacuation coverage and when is it relevant?
Security evacuation coverage — also called political evacuation — covers emergency departure from a country or region due to political unrest, civil conflict, or security emergencies, independent of any medical issue. It is relevant for clients traveling to destinations with elevated political or security risk. It is distinct from medical evacuation and must be specifically included in the travel insurance program.
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COORDINATE THE SECURITY PROGRAM WITH THE INSURANCE PROGRAM — BOTH LAYERS MATTER.
Kelly Insurance Group provides specialist insurance coordination for security consultants — K&R coverage, personal security risk insurance, security staff employer liability, and travel risk insurance coordination for high-profile clients with active security programs.
The availability of coverage and eligibility for coverage can depend on numerous factors. We cannot guarantee that all customers, individuals, and businesses looking for coverage will be successful in these efforts when contacting our team. All policy coverages and terms need to be fully reviewed by the respective consumer to ensure the coverage asked for is what is specifically being quoted or provided by any insurance policy. Insurance Policies, Coverage Changes, and their terms and conditions are not bound or altered until written confirmation is provided by one of our licensed team members or underwriters. This page does not offer legal advice, legal opinions, or policy interpretations. Rather, this page is meant as a resource to help provide customers and insurance consumers with additional considerations that may help in their insurance buying or pursuit of insurance information. Kelly Insurance Group does not employ or direct attorneys.
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Disclaimer: Coverage availability and eligibility may depend on underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations.