An indemnified security assistance service for SME Directors & Officers.
Crisis Concierge is Response24's market-tested SME product — an indemnified 24/7 security assistance service covering the full range of topical security threats, designed to be embedded in D&O and management liability insurance offerings. A genuine differentiator for underwriters and brokers in a competitive SME market. Also available as a modular crisis response benefit across PI, personal lines, and other products where executive or personal crisis support is a relevant policyholder benefit.
SMEs are underserved. Crisis Concierge changes that.
Larger multinationals typically have substantial in-house crisis management resources. SMEs do not. When a critical security incident occurs — a kidnap, an extortion attempt, an act of terrorism, a malicious product attack — the management team of an SME is largely on its own, exposed to both the incident itself and to stakeholder reproach and potential litigation if their response is inadequate.
Directors and Officers can be held personally liable if they fail to address and sufficiently mitigate security risks affecting their business. As the global security environment deteriorates — with political violence, organised crime, supply chain disruption and civil unrest all increasing — that exposure is growing.
Crisis Concierge addresses this gap directly: giving SME Directors & Officers access to 24/7 expert crisis response at the moment they need it most, embedded within their existing insurance coverage. For underwriters and brokers, it transforms the policy from a claims mechanism into an active risk management partnership.
Around 74% of SMEs worldwide remain underinsured despite growing awareness of emerging risks — and most have no in-house crisis management capability to draw on when an incident occurs.
Directors and officers face growing personal liability exposure as geopolitical instability and security risks increase. Effective early intervention by crisis management consultants can significantly limit that exposure — for the insured and the insurer alike.
Brokers are increasingly demanding more value from underwriting markets beyond breadth of wording and ease of binding. Crisis Concierge delivers meaningful risk mitigation for SME clients without requiring brokers to cede brokerage.
What Crisis Concierge delivers for SME Directors & Officers.
A short introduction to the Crisis Concierge product — what it covers, how it works, and why it matters for SME insureds.
What Crisis Concierge Covers
An indemnified response service spanning the full range of security threats facing SME Directors & Officers — not a subset, not a watered-down version of enterprise-level cover.
Core Coverage
- Violent crime and personal attack
- Blackmail and extortion
- Kidnapping and wrongful detention
- Unexplained disappearance
- Terrorism and sabotage
- Civil unrest and malicious property damage
- Stalking and aggravated trespass
- Radicalization of the workforce
- Malicious internet breach
What the Response Includes
- 24/7 emergency response activation
- Deployment of response consultants
- Incident investigation and assessment
- Crisis management and coordination
- Business continuity and recovery support
- Crisis communications management
- Full incident documentation
Response to critical medical emergencies and natural disasters — available as an optional additional benefit within the Crisis Concierge wording.
Embedding Crisis Concierge in your offering.
How it works commercially
Competitively priced through facility or binder-wide application — making Crisis Concierge commercially viable across an SME book without policy-by-policy negotiation.
Crisis Concierge can be added as an endorsement to the main D&O or management liability policy, or structured as a complementary service — flexible to the requirements of your product.
Successfully embedded in D&O and management liability offerings by major London market insurers and brokers. The product has been tested in the market and refined over multiple deployments.
All Crisis Concierge policyholders receive access to Connect Risk and Connect Incident — real-time threat intelligence and structured incident management from day one of the policy.
Crisis Concierge delivers meaningful value to SME insureds without requiring brokers to cede brokerage — meeting the growing demand for more value from underwriting markets at no cost to broker income.
In a competitive SME market, Crisis Concierge gives you something brokers cannot get elsewhere.
Crisis Concierge is a Response24 concept. It was developed by our team, refined through market deployment, and is delivered exclusively through underwriters and brokers who work with Response24. It is not a white-labelled third-party product.
For underwriters looking to demonstrate genuine depth of expertise and speed of response — and for brokers looking for a clear reason to place business with a particular market — that exclusivity is the differentiator.
Talk to our team →The growing security risk for Directors & Officers.
Directors and Officers face an increasingly complex security environment — with personal liability exposure that extends well beyond traditional corporate governance concerns. Crisis Concierge gives SME leadership teams the expert crisis response capability they need when a security incident occurs.
Personal Liability Exposure
Directors and Officers can be held personally liable if they fail to identify, assess, and sufficiently mitigate security risks affecting their business. That exposure is not limited to traditional governance failures — it extends to failure to respond adequately when a crisis occurs.
Deteriorating Security Environment
The global security environment is deteriorating. Political violence, organised crime, terrorism, supply chain disruption, and civil unrest are all increasing. For businesses with international operations, exposure to these risks is growing — and the threshold for what constitutes adequate risk management is rising.
Early Intervention Limits Exposure
Effective early intervention by experienced crisis management consultants can significantly limit the exposure that Directors & Officers face when a security incident occurs — both the incident itself and the reputational and legal exposure that follows. Crisis Concierge provides that intervention from the first alert.
SMEs Cannot Do This Alone
Larger multinationals typically have substantial in-house crisis management resources. SMEs do not. When a kidnap, extortion, terrorism event, or product contamination occurs, the SME management team is largely on its own — unless they have access to external expert support. Crisis Concierge provides that support.
A modular service available across multiple lines
While D&O and management liability products represent the primary and most common application, Crisis Concierge is a modular service that can be structured as a named benefit within any insurance line where executive or personal crisis response is relevant. Underwriters writing PI, high net worth personal lines, or other products with a crisis response component can embed Crisis Concierge using the same commercial framework.
D&O / Management Liability
The primary and most proven application. Crisis Concierge was developed for and refined within the D&O market — giving SME Directors & Officers expert crisis response at the moment they need it most.
Professional Indemnity
For professionals facing crisis situations that go beyond a standard PI claim — reputational threat, personal security concerns, or incidents requiring immediate structured response and coordination.
High Net Worth Personal Lines
Discreet crisis support for high-net-worth individuals — personal security incidents, extortion, reputational threats, and situations requiring immediate expert guidance and coordination.
Request our Crisis Concierge capability statement.
A detailed capability statement covering the full Crisis Concierge product — including coverage scope, commercial structure, and how it embeds within D&O, management liability, and other insurance offerings — is available to Lloyd's underwriters, MGAs, and brokers on request.
Request Capability StatementDiscuss Crisis Concierge with our team.
Whether you are assessing Crisis Concierge for a specific facility, or exploring how it could differentiate your D&O or management liability offering — we would like to hear from you.