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more fearful context, Beazley offers Kidnap & Ransom (“K&R”) Insurance for companieswho send employees abroad to unstable countries. Beazley “will provide both crisismanagement and personal security guidance that is tailored to each client’s specificneeds … [including] evacuation planning, risk mitigation measures and what to do in theevent of an incident.” 9Since September 11, 2001, insurance for terrorism has become a sought-out coverage,now offered by many carriers. In addition, “many governments have introduced statefundedterrorism insurance and reinsurance facilities...” 10When conducting a regularinsurance review, each company must determine whether it faces any unusual risk, andwhether these exotic, but potentially critical, coverages are warranted.E. Ensuring Your Contracts Properly Shift Risk and LimitExposureIt is often said that “good risk management starts with a good contract.” In litigation,defense counsel often face avoidable hurdles arising from poorly drafted agreements;this is extremely frustrating when a case is otherwise defensible. Litigation is difficultenough without having to go to battle with one hand tied behind your back. Poorcontracts are often drafted – or accepted – by sophisticated businesses.9 Available at https://www.beazley.com/our_business/political_risks_contingency/kidnap_and_ransom.html(last visited January 7, 2015).10 A discussion of available terrorism insurance products is published in a report by Airmic Technical andWillis in the “Terrorism Insurance Review 2013,” available athttp://www.willis.com/Documents/Publications/Services/Political_Risk/Terrorism_2013_FINAL_web.pdf(last visited January 7, 2015).