Does K&R Cover Cyber Extortion?

Usually not as your main protection. Chubb frames its K&R product around kidnapping, ransom and extortion threats against employees and their families, and sells ransomware cover separately as an endorsement on its cyber insurance.

That split matters because a network attack costs far more than the ransom. Chubb notes that, paid or not, ransomware victims often face legal and forensic costs, business interruption, data recovery and possible liability, and its ransomware endorsement sets its own limits, retention and coinsurance for those losses. If your worry is a demand tied to your systems or data, buy that protection on the cyber side, then ask how the two policies divide a threat that involves both a person and your network.