AIG vs Relm Insurance: How Do They Compare for Kidnap and Ransom Insurance?

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.

Relm announced its own Kidnap and Ransom (K&R) insurance product, built in partnership with an unnamed third-party industry leader in personnel security and crisis response for the incident-response side of the offering. ⁶Company-reported. Company launch announcement; not a statement identifying the specific issuing insurer for a K&R placement.

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The reviewed announcement does not name the specific issuing insurer for K&R policies, only describing Relm as the specialty insurer launching the product and a named third-party partner for security response services. ⁶Not publicly disclosed. Launch announcement as read on 2026-09-23.

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.

Relm designed the K&R product specifically for individuals and organizations in the digital asset and cannabis sectors, citing crypto leaders being doxxed or publicly linked to token holdings, and cannabis operators handling large amounts of physical cash due to banking constraints, as the targeted exposures. ⁶Company-reported. Launch announcement 'Addressing a New Class of Risk' section; not a guarantee of eligibility for a particular individual or organization.

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.

Relm says the K&R product covers kidnap, extortion, threats, disappearance, express or virtual kidnap, malicious detention, hijack and hostage crises, and evacuation due to a credible threat. ⁶Company-reported. Launch announcement coverage list; the issued policy and declarations control.

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.

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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.

Relm says the product gives clients immediate access to a 24/7 operations center and a team of Security Response Directors with over 200 years of combined crisis experience across more than 1,600 incidents, strategically located in the US, Colombia, Mexico, the UK, France, Portugal, Nigeria and Spain. ⁶Company-reported. Launch announcement crisis-response description; provided through the named third-party security partner, not Relm directly.

Relm says the policy includes a 10% Risk Mitigation Allowance for pre-incident support such as training, security-awareness sessions, threat briefings and optional exposure reviews, plus 24/7 hotline access. ⁶Company-reported. Launch announcement 'Ensuring Pre-incident Readiness' section.