Does K&R Cover Crisis Consultants?

Chubb states that its described K&R policy includes access to The Ackerman Group, a crisis-response consulting firm, and lists insured-event and threat expenses among its clauses. This is a carrier-specific feature. Travelers’ K&R materials provide application and sample-form links, but the actual policy and response instructions determine what another insurer provides.

Check whether consultation is included, whether the insurer must select or approve the firm, and whether consultant fees erode the policy limit or are paid separately. Confirm the 24-hour contact process, confidentiality requirements, and whether the service applies before a covered event. Keep the response contact available to the people who would need it; do not wait until a crisis to learn the notice procedure.