(i) Insurance which indemnifies, or pays on behalf of the named insured, money surrendered as ransom for specified individuals or classes of persons, or to prevent threatened physical damage to property of the insured. (ii) Insurance against the hazard of a person being seized outside the insured premises and forced to return and open the premises or a safe therein, or give information which will enable the criminals to do so. (iii) Insurance is written primarily for financial institutions and covers named employees for individual or aggregate amounts paid as ransom, with deductible requiring the insured to participate in about 10% of any loss. Only a few market write this type of coverage and there is no standardization of rates.