Aon vs CFC: How Do They Compare for Kidnap and Ransom Insurance?

Aon presents Kidnap, Ransom and Extortion as a line its Professional Services Practice helps arrange or advise on for professional-service firms. Aon is describing a global brokerage and advisory service, not issuing the underlying policy. The producing legal entity and carrier for any particular placement are not named on this page. ³Company-reported. Aon’s global professional-services practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement.

CFC underwrites a land-based kidnap and ransom (K&R) policy for businesses and their employees, paired with crisis response services, and separately sells a specialist marine K&R product for commercial and leisure maritime activities. ⁸Company-reported. K&R product page introduction, which explicitly distinguishes the land policy from the separate marine K&R product.

The reviewed practice page does not name the insurer or producing legal entity for a specific placement. Ask for both on the quote and binder. ³Not found in reviewed sources. Aon’s global practice page as reviewed 2026-09-30; no state-specific placement schedule or buyer quote was reviewed. This does not establish that Aon cannot arrange a placement.

The reviewed K&R product page does not name the insurer or Lloyd's syndicate backing the policy. CFC's regulatory page lists CFC-affiliated underwriting vehicles, including its own Lloyd's Syndicate 1988, but does not tie one specifically to K&R. ^8,7Not publicly disclosed. Checked the K&R and marine product pages plus CFC's regulatory information page; none names a K&R-specific carrier.

Aon identifies law, accounting and consulting firms as the audience for its global Professional Services Practice. That audience scope does not establish eligibility for every firm or other business. ³Company-reported. Audience described for Aon’s global professional-services practice. It does not establish U.S. state availability or underwriting eligibility for a placement.

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Aon lists Kidnap, Ransom and Extortion within its professional-services property-and-casualty coverage areas. The page does not describe covered events, response services, limits or policy terms. ³Company-reported. Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage.

CFC describes the land K&R policy as offering a broad definition of bodily injury, legal and expense cover, an extended personal accident benefit, and optional endorsements a broker can add for a specific business. ⁸Company-reported. Key features section of the K&R product page; exact terms are set by the policy as issued.

CFC's marine K&R product is a separate policy covering hijack and seizure of a vessel or kidnap of crew, with combined limits up to USD 25 million for kidnap and ransom and loss of hire, plus standalone loss-of-hire cover available on its own. ⁹Company-reported. Marine product page description of the marine kidnap and ransom line, distinct from the land K&R policy.

The reviewed page does not state a buyer-specific limit, retention, deductible or other placement terms. Confirm these in the quote, bond or issued policy. ³Not publicly disclosed. Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed.

The land K&R product page does not publish specific limit amounts; only the marine K&R variant discloses a limit figure (USD 25 million combined for kidnap and ransom and loss of hire). ^8,9Not found in reviewed sources. Land K&R page checked on 2026-09-23 does not list numeric limits; marine page separately does.

Aon says its professional-services advisors use industry knowledge, insights, data and tools to support risk-management and human-capital decisions. This is a company-described advisory service, not a claim outcome or policy benefit. ³Company-reported. Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated.

Policyholders on both the land and marine K&R products get 24/7 access to expert crisis response consultants through a global response team in the event of an incident. ^8,9Company-reported. Key features on both the K&R and marine product pages.

Confirm in your quote.

CFC publishes a downloadable K&R application form alongside the product brochure for brokers or businesses applying for the land K&R policy. ⁸Company-reported. Downloads section of the K&R product page.