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 Travelers Insurance?
Travelers suits technology companies that want CyberRisk Tech and can work through an independent agent; buyers seeking a direct online technology quote should compare digital providers. Many small accounts can be quoted in agent platforms, while specialty risks need underwriting. 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
Travelers spells out ransom-related expenses and a travel assistance network
AIG describes CrisiSolution examples for kidnapping, extortion, wrongful detention, hijacking, threats and disappearance. Travelers says K&R typically pays kidnappers or extortionists, covers ransom lost in transit and reimburses other kidnapping-related expenses. For U.S. technology and life-sciences firms, Travelers also describes Global Companion Plus+ with local-carrier connections in more than 150 countries and travel assistance. Ask how the package applies in each destination; Travelers notes its U.S. version is non-admitted. 3 7
The purchase routes and service descriptions are distinct
AIG lists crisis planning, training and 24/7 response support through Crisis24 and MBL Global. Travelers says K&R is purchased through an independent agent or Travelers representative, while its international network and assistance are described with Global Companion Plus+. Confirm whether those services are attached to the K&R form you are quoting or only to the package. 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 reviewsTravelers
Review Score
3 rated sources
Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance.[1][2][4][5][6][7]
Read Travelers reviewsOffering Details
AIG vs Travelers: Kidnap and Ransom Insurance: documented features by provider
| Criteria | AIG CrisiSolution Kidnap, Ransom and Extortion Insurance | Travelers Kidnap & Ransom Insurance (Global Companion Plus+) |
|---|---|---|
| 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. | Travelers offers kidnap and ransom coverage as one line within its Global Companion Plus+ package for technology and life-sciences companies with international exposure, and also lists it as a standalone product on its Management & Professional Liability catalogue page. 7,8Company-reported. Global Companion Plus+ "Robust suite of insurance coverages" section and Management & Professional Liability product list. |
| 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. | As part of Global Companion Plus+, kidnap and ransom coverage is aimed at U.S.-based technology and life-sciences companies with employees who travel internationally or operations abroad; the U.S. version of the package is non-admitted, meaning it is not equivalent to a locally admitted policy in every country. 7Company-reported. Global Companion Plus+ page "Who is Global Companion Plus+ right for?" and "Coordinated domestic policy gap coverage" sections. |
| 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. | Travelers says kidnap and ransom coverage typically pays kidnappers or extortionists, covers loss of ransom in transit, and reimburses other expenses incurred as a result of a kidnapping. 8Company-reported. Management & Professional Liability Insurance page, kidnap and ransom entry; exact terms and exclusions are set by the issued policy. |
| 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. | Neither reviewed page publishes limits, retentions or premiums for kidnap and ransom coverage; amounts would appear on a quote. 7,8Not found in reviewed sources. Global Companion Plus+ and Management & Professional Liability pages as read on 2026-09-23. |
| 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. | Travelers says Global Companion Plus+ policyholders get access to its International Network of Insurance, a network of local carriers in over 150 countries, plus global executive support services offering medical, personal and travel assistance for employees traveling overseas. 7Company-reported. Global Companion Plus+ page "Extensive international network of partners" and "Global executive support services" sections. |
| How to Apply | Confirm in your quote. | Kidnap and ransom coverage is bought through a Travelers independent agent or Travelers representative. 7Company-reported. Global Companion Plus+ page "Consult your insurance agent today" section. |
Full Comparison
More AIG vs Travelers 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.
Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Global Insurance for Technology and Life Sciences. Travelers; "Robust suite of insurance coverages" — general liability, property, auto, foreign voluntary workers compensation, employers liability, accidental death and dismemberment, and kidnap and ransom; U.S. Global Companion Plus+ is non-admitted. Accessed 2026-09-23.
- Management and Professional Liability Insurance. Travelers; "Select a product" list: Kidnap & ransom insurance — "typically covers payments to kidnappers or extortionists, loss of ransom in transit and other expenses incurred as a result of a kidnapping". 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.
