candidate: Losses typically reimbursed by K&R insurance include : Ransom Monies - Money paid or lost due to kidnapping Transit / Delivery - Loss due to destruction , disappearance , confiscation , or wrongful appropriation of ransom monies being delivered to a covered kidnapping or extortion Accidental Death or Dismemberment - Death or permanent physical disablement occurring during a kidnapping Judgements and Legal Liability - Cost resulting from any claim or suit brought by any insured person against the insured Additional Expenses - Medical care , PR counsel , wage and salary replacement , relocation and job retraining , and other expenses related to a kidnapping incident .