What Is AIG?
AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. 1,2
What Is HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 4,5,6
What Is Kidnap and Ransom Insurance?
Kidnap and ransom insurance provides financial protection for specified kidnapping and extortion events and gives the business access to a crisis-response firm. Check who is insured, which events are named, and how territory and sanctions terms apply to your actual travel. 9,10,11
Key Differences in Kidnap and Ransom Insurance
AIG describes event examples while HUB offers two placement contexts
AIG markets CrisiSolution with primary and excess examples for kidnapping, extortion, wrongful detention, hijacking, threats and disappearance. HUB brokers K&R both as a standalone offering and within its ProEx Professional & Executive Risk practice. HUB also groups the line with D&O, employment practices and fiduciary coverage in ProEx. Buyers should clarify whether a standalone placement or broader executive-risk relationship suits their program and compare the actual forms. 3 7
Access to service starts through different documented channels
AIG lists crisis planning and response resources through Crisis24 and MBL Global, including a 24/7 contact resource. HUB’s page directs prospects to connect with a broker; its ProEx practice describes analytics, litigation support and specialist legal-risk support across its coverages. Ask HUB which services apply specifically to a K&R placement and who can be contacted during an incident. 3 7
What to Confirm in Kidnap and Ransom Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
AIG
Review Score
2 rated sources
Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.[1][2]
Read AIG reviewsHUB International
Review Score
2 rated sources
Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]
Read HUB International reviewsOffering Details
AIG vs HUB International: Kidnap and Ransom Insurance: documented features by provider
| Criteria | AIG CrisiSolution Kidnap, Ransom and Extortion Insurance | HUB International Kidnap and Ransom Insurance Brokerage |
|---|---|---|
| Role in This Line | AIG markets CrisiSolution as its main corporate Kidnap, Ransom and Extortion policy and also describes related package and endorsement routes. The issuing insurer for a specific placement is not named on the overview. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | HUB brokers kidnap and ransom (K&R) insurance both as a standalone product page offering and as one of the Executive Liability coverages in its ProEx Professional & Executive Risk practice, rather than underwriting the policy itself. 7,8Company-reported. K&R product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer. |
| Issuing Insurer | Confirm in your quote. | The K&R product page and the ProEx page do not name an issuing insurer for K&R policies; HUB says ProEx places over $2 billion in premium with insurers it calls top-rated carriers, without naming them. 7,8Not found in reviewed sources. Checked both pages on 2026-09-23; the carrier for a specific K&R placement depends on the quote. |
| Who It’s For | AIG describes CrisiSolution for corporate businesses, individuals and high-net-worth families, with examples of higher-risk industries such as energy, mining, maritime, multinationals, charities and NGOs. This is not a guarantee of account eligibility or worldwide local placement. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | HUB markets K&R coverage to organizations with executives who travel internationally, employees working abroad or domestically, and other key personnel whose safety is considered critical to the organization, plus their families. 7Company-reported. K&R product page target-audience description; not an underwriting appetite statement. |
| Coverage Features | AIG describes primary and excess coverage examples for kidnapping, extortion, wrongful detention, hijacking, threats, disappearance and hostage events, with certain additional extensions. Each extension remains subject to its policy wording and conditions. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | HUB cites roughly 15,000 kidnap, extortion or illegal-detention incidents a year generating about half a billion dollars in ransom payments, and says an organization can face significant costs even when no ransom is paid. 7Company-reported. K&R product page risk-framing statistics; company-reported and not independently verified by Spot. HUB's K&R product page cross-references directors and officers liability, business interruption and cyber coverage as related protections, and its ProEx practice groups K&R with other Executive Liability lines such as D&O, employment practices liability and fiduciary liability. 7,8Company-reported. K&R product page related-coverage links and ProEx coverage list; the pages do not describe specific K&R insuring agreements, sublimits or exclusions. |
| Limits and Retentions | The public product overview does not state a buyer-specific limit, retention or sublimit schedule. Confirm those and any applicable consent requirements in the quote and issued policy. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | Published K&R policy limits or retentions were not found on the reviewed pages. 7,8Not publicly disclosed. Checked the K&R product page and ProEx page on 2026-09-23; limits are set on the quote and declarations. |
| Risk Services | AIG lists crisis-planning, training and response support through Crisis24 and MBL Global, along with global claims professionals and a 24/7 contact resource. Some response services are supplied by outside providers. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | HUB says its ProEx practice, which lists K&R among its Executive Liability coverages, provides analytics, litigation support and risk-management services led by a named practice leader, and gives clients access to a Claims & Legal Risks Group of attorneys who specialize in ProEx coverages. 8Company-reported. ProEx page services and claims-support description; not specific to a single K&R engagement. |
| How to Apply | Confirm in your quote. | HUB directs K&R prospects to "Connect With a Broker" rather than an online quote or bind flow. 7Company-reported. K&R product page call to action. |
Full Comparison
More AIG vs HUB International Comparisons
Other Kidnap and Ransom Insurance Comparisons
Sources
AIG
- Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
- Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
- Kidnap, Ransom & Extortion Insurance. AIG; Official AIG CrisiSolution page, lines 242–275: product and covered-event examples, named corporate/individual/family audiences, extensions, response services and standard-policy caveat. Accessed 2026-09-30.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Kidnap and Ransom Insurance Brokers. HUB International; Why coverage is needed: kidnap, extortion and illegal detention risk; incident and ransom-payment statistics; target audience of traveling executives, employees abroad and their loved ones; costs beyond ransom payment; Connect With a Broker call to action; cross-references to D&O, business interruption and cyber coverage. Accessed 2026-09-23.
- HUB ProEx. HUB International; ProEx Coverages list including Kidnap, Ransom, and Extortion insurance under Executive Liability; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.
Kidnap and Ransom Insurance Guide
- Kidnap and Ransom Applications and Forms. Travelers; Opening; Applications; Sample policy forms. Accessed 2026-09-16.
- The Chubb Primary Kidnap Ransom and Extortion Insurance. Chubb; Opening; Kidnap, Ransom & Extortion Insurance Highlights. Accessed 2026-09-16.
- Kidnap and Ransom Coverage. Travelers; I pp.1–2; III pp.3–9; IV p.9; V pp.10–13. Accessed 2026-09-16.
