---
title: "CFC vs Gallagher Kidnap and Ransom Insurance"
description: "CFC underwrites land and marine K&R; Gallagher's executive-risk practice places K&R with outside carriers and can also secure ransomware."
canonical: "https://spot.insure/compare/cfc-vs-gallagher/kidnap-ransom"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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# CFC vs Gallagher Kidnap and Ransom Insurance

CFC underwrites land and marine K&R; Gallagher's executive-risk practice places K&R with outside carriers and can also secure ransomware.

## Research Scope and Use

Use this comparison to evaluate CFC and Gallagher for Kidnap and Ransom Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

CFC underwrites land kidnap-and-ransom coverage plus a marine product with USD 25 million combined limits. Gallagher’s Executive and Financial Risk practice places kidnap, ransom and extortion with outside carriers and says it can also secure ransomware coverage. [5](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC") [6](https://www.cfc.com/en-us/products/industry/marine/ "Marine piracy insurance | CFC") [9](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What Is CFC Insurance?

CFC provides specialty insurance through an MGA model, with technology products for startups through multinational businesses. Its U.S. technology materials describe combined liability and cyber protection, while California eligibility requires product-specific confirmation. [1](https://www.cfc.com/en-us/company/ "About CFC") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

[CFC profile](https://spot.insure/insurance-providers/cfc)

## What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. [7](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [8](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [9](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [10](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [11](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## 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. [12](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/kidnap-ransom "Kidnap and Ransom Applications and Forms") [13](https://www.chubb.com/us-en/business-insurance/the-chubb-primary-kidnap-ransom-extortion-insurance.html "The Chubb Primary Kidnap Ransom and Extortion Insurance") [14](https://asset.trvstatic.com/download/assets/ker-16001.pdf/fec9c08a63ca11eea3d58e94a50adee5 "Kidnap and Ransom Coverage")

## Key Differences in Kidnap and Ransom Insurance

### Underwriter Versus Executive-Risk Broker

CFC underwrites land K&R and a separate marine product. Gallagher’s Executive and Financial Risk practice places kidnap, ransom and extortion with outside carriers; it does not underwrite the policy. [5](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC") [9](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### What Each Coverage Description Includes

CFC’s land page lists a broad bodily-injury definition, legal and expense cover, an extended personal accident benefit, and optional endorsements a broker can add. [5](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC") [9](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What to Confirm in Kidnap and Ransom Insurance Quotes

- Ask Gallagher which insurer it would use and whether ransomware would sit on the same placement as K&R. [9](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- If you have vessel exposure, ask whether CFC’s marine product applies; Gallagher’s reviewed page does not describe a marine K&R form. [6](https://www.cfc.com/en-us/products/industry/marine/ "Marine piracy insurance | CFC") [9](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Compare CFC’s described response team with the carrier response capability Gallagher would review on the quote. [5](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC") [9](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Get limits; Gallagher’s page and CFC’s land page do not publish figures. [9](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [5](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC")

## Offering Details

| Criteria | CFC Kidnap & Ransom Insurance | Gallagher Kidnap, Ransom and Extortion Liability Insurance |
| --- | --- | --- |
| 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. [5](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC") (Evidence: Company-reported; scope: 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. [9](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) |
| Issuing Insurer | 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. [5](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") (Evidence: Not publicly disclosed; scope: Checked the K&R and marine product pages plus CFC's regulatory information page; none names a K&R-specific carrier..) | The executive-and-financial-risk page does not name the insurer that would issue a given client's kidnap and ransom policy. [9](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level executive-and-financial-risk practice page..) |
| Who It’s For | Not described in the reviewed sources. | Gallagher describes kidnap, ransom and extortion coverage as relevant to companies whose executives, employees or families travel or work in higher-risk settings, and separately says it is "a must for all companies," without naming a specific industry or size limit. [9](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) |
| 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. [5](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC") (Evidence: Company-reported; scope: Key features section of the K&R product page; exact terms are set by the policy as issued..)<br><br>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. [6](https://www.cfc.com/en-us/products/industry/marine/ "Marine piracy insurance | CFC") (Evidence: Company-reported; scope: 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. [9](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions..) |
| Limits and Retentions | 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). [5](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC") [6](https://www.cfc.com/en-us/products/industry/marine/ "Marine piracy insurance | CFC") (Evidence: Not found in reviewed sources; scope: Land K&R page checked on 2026-09-23 does not list numeric limits; marine page separately does..) | The page does not publish specific kidnap and ransom limits or premium ranges. [9](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked the 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. [5](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC") [6](https://www.cfc.com/en-us/products/industry/marine/ "Marine piracy insurance | CFC") (Evidence: Company-reported; scope: 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. [9](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) |
| How to Apply | CFC publishes a downloadable K&R application form alongside the product brochure for brokers or businesses applying for the land K&R policy. [5](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC") (Evidence: Company-reported; scope: Downloads section of the K&R product page..) | Not described in the reviewed sources. |

## Full Comparison

- [CFC vs Gallagher](https://spot.insure/compare/cfc-vs-gallagher): all coverage lines, business roles, service and claims.
- [What Is Kidnap and Ransom Insurance?](https://spot.insure/coverage/kidnap-ransom): Kidnap and ransom insurance combines financial protection for specified crises with access to experienced response specialists.
- [CFC vs Gallagher Commercial Property Insurance](https://spot.insure/compare/cfc-vs-gallagher/commercial-property)
- [CFC vs Gallagher Crime Insurance](https://spot.insure/compare/cfc-vs-gallagher/crime)
- [CFC vs Gallagher Cyber Insurance](https://spot.insure/compare/cfc-vs-gallagher/cyber)
- [CFC vs Gallagher D&O Insurance](https://spot.insure/compare/cfc-vs-gallagher/directors-officers)
- [CFC vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-gallagher/employment-practices)
- [CFC vs Gallagher General Liability Insurance](https://spot.insure/compare/cfc-vs-gallagher/general-liability)
- [CFC vs Gallagher Product Recall Insurance](https://spot.insure/compare/cfc-vs-gallagher/product-recall)
- [CFC vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/cfc-vs-gallagher/professional-errors-omissions)
- [CFC vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/cfc-vs-gallagher/representations-warranties)
- [CFC vs Gallagher Tech E&O Insurance](https://spot.insure/compare/cfc-vs-gallagher/technology-errors-omissions)
- [CFC vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-gallagher/umbrella-excess)
- [CFC vs Chubb Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-chubb/kidnap-ransom)
- [CFC vs Coverdash Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-coverdash/kidnap-ransom)
- [CFC vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-hub-international/kidnap-ransom)
- [CFC vs Marsh Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-marsh/kidnap-ransom)
- [CFC vs Relm Insurance Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-relm/kidnap-ransom)
- [Chubb vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-gallagher/kidnap-ransom)

## Sources

### CFC

1. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
2. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
3. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
5. [Kidnap & ransom insurance | CFC](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/). CFC; Kidnap & ransom key features; specialist marine K&R product; Downloads: Brochure, Application form. Accessed 2026-09-23.
6. [Marine piracy insurance | CFC](https://www.cfc.com/en-us/products/industry/marine/). CFC; Marine kidnap and ransom key features: limits up to USD25m, standalone loss of hire. Accessed 2026-09-23.

### Gallagher

7. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
8. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
9. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Kidnap, Ransom and Extortion Liability insurance section. Accessed 2026-09-23.
10. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
11. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.

### Kidnap and Ransom Insurance Guide

12. [Kidnap and Ransom Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/kidnap-ransom). Travelers; Opening; Applications; Sample policy forms. Accessed 2026-09-16.
13. [The Chubb Primary Kidnap Ransom and Extortion Insurance](https://www.chubb.com/us-en/business-insurance/the-chubb-primary-kidnap-ransom-extortion-insurance.html). Chubb; Opening; Kidnap, Ransom & Extortion Insurance Highlights. Accessed 2026-09-16.
14. [Kidnap and Ransom Coverage](https://asset.trvstatic.com/download/assets/ker-16001.pdf/fec9c08a63ca11eea3d58e94a50adee5). Travelers; I pp.1–2; III pp.3–9; IV p.9; V pp.10–13. Accessed 2026-09-16.

Updated 2026-09-24. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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