CFC vs 
Gallagher: How Do They Compare for Kidnap and Ransom Insurance?
CFC provides 24/7 crisis consultants with its land and marine policies; Gallagher places K&R with outside carriers and reviews response-team capability.
CFC is the insurer, with a documented land policy and a separate marine product offering combined limits up to $25 million. Gallagher is a broker that compares insurers and their rescue teams for you and can place ransomware coverage alongside K&R. 1,2,4
What Are the Key Differences Between CFC and Gallagher Kidnap and Ransom Insurance?
Direct Insurer With Land and Marine Products vs a Comparing Broker
CFC underwrites land kidnap and ransom cover and a separate marine product with combined limits up to $25 million. Gallagher’s Executive and Financial Risk practice places kidnap, ransom and extortion with outside insurers, evaluating each insurer’s policy and rescue personnel for you, and says it can also place ransomware coverage. Choose CFC if you have crews or vessels at sea or want a known land policy; choose Gallagher if you want a broker comparing response teams or need ransomware placed at the same time. 1 2 4
Published Benefits vs No Published Form
CFC’s land policy lists a broad bodily-injury definition, legal and expense cover, an extended personal accident benefit and optional endorsements your broker can add. Gallagher publishes no policy form or limits, so you only see terms once it brings back quotes. 1 4
What Should You Confirm in CFC and Gallagher Kidnap and Ransom Insurance Quotes?
- Ask Gallagher which insurer it would use and whether ransomware would sit on the same policy as K&R. 4
- If you have vessel exposure, ask whether CFC’s marine product applies; Gallagher describes no marine K&R form. 2 4
- Ask both who the crisis response team is and how fast they deploy. 1 4
- Get land-policy limits in writing; neither CFC’s land page nor Gallagher publishes them. 4 1
CFC vs Gallagher Kidnap and Ransom Insurance Compared
CFC vs Gallagher: Kidnap and Ransom Insurance: documented features by provider
| Criteria | CFC Kidnap & Ransom Insurance | Gallagher Kidnap, Ransom and Extortion Liability Insurance |
|---|---|---|
| Coverage Features | 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. 1Company-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. 2Company-reported. Marine product page description of the marine kidnap and ransom line, distinct from the land K&R policy. | Gallagher describes this coverage as protecting executives, employees and their families whose work and travel expose them to kidnapping and extortion risk, and says it can also secure ransomware coverage. 4Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions. |
| Role in This Line | 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. 1Company-reported. K&R product page introduction, which explicitly distinguishes the land policy from the separate marine K&R product. | Gallagher's Executive and Financial Risk practice places kidnap, ransom and extortion coverage with outside carriers; it does not underwrite the policy. 4Company-reported. Group-level executive-and-financial-risk practice page. |
| Risk Services | 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. 1,2Company-reported. Key features on both the K&R and marine product pages. | Gallagher says the coverage it arranges includes access to highly trained rescue and security personnel, and that it analyzes both the policy terms and a carrier's response-team capability when placing this line. 4Company-reported. Group-level executive-and-financial-risk practice page. |
