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

CFC underwrites land and marine K&R with crisis-response access; HUB International brokers coverage for organizations with international travelers and key personnel.

Buyers seeking published K&R terms or a separate marine option can review CFC; HUB brokers K&R alone or within ProEx. CFC publishes a marine limit up to $25 million; HUB does not publish K&R policy terms. ^1,^2,^4,⁵

What Are the Key Differences Between CFC and HUB International Kidnap and Ransom Insurance?

Published Insurer Terms vs a Broker Placement

CFC writes land K&R and a separate marine product, publishes a downloadable land application and brochure, and lists its land-policy benefits. HUB brokers K&R from a standalone product page and as one of the executive-liability lines in ProEx, and directs you to a broker conversation. HUB describes no policy terms, so you can't compare until it returns a quote. Choose CFC if you have ships or crews at sea or want to review terms before applying; choose HUB if you want K&R placed alongside D&O and other executive cover by one broker. ¹ ² ⁴ ⁵

Crisis Consultants vs Claims Attorneys

CFC gives land and marine policyholders 24/7 crisis-response consultants, the people who guide you through a kidnapping or extortion. HUB's ProEx offers analytics, litigation support and a Claims & Legal Risks Group of attorneys for its coverages, but doesn't describe incident response for K&R. In a live kidnapping you need a responder, not a lawyer, so ask HUB which response firm comes with the policy it places. ¹ ⁵ ⁴

What Should You Confirm in CFC and HUB International Kidnap and Ransom Insurance Quotes?

Ask HUB whether K&R would be standalone or inside ProEx, and which insurer and response firm it would use. ⁴ ⁵
If you have marine exposure, ask about CFC's $25 million combined marine limit; HUB's pages don't describe marine K&R. ² ⁴
Ask both for land K&R limits; neither publishes them. ⁴ ¹

CFC vs HUB International Kidnap and Ransom Insurance Compared

CFC vs HUB International: Kidnap and Ransom Insurance: documented features by provider

Criteria	CFC Kidnap & Ransom Insurance	HUB International Kidnap and Ransom Insurance Brokerage
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. ¹Company-reported. Downloads section of the K&R product page.	HUB directs K&R prospects to "Connect With a Broker" rather than an online quote or bind flow. ⁴Company-reported. K&R product page call to action.
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.	HUB cites roughly 15,000 kidnap, extortion or illegal-detention incidents a year generating about half a billion dollars in ransom payments, and says an organization can face significant costs even when no ransom is paid. ⁴Company-reported. K&R product page risk-framing statistics; company-reported and not independently verified by us. HUB's K&R product page cross-references directors and officers liability, business interruption and cyber coverage as related protections, and its ProEx practice groups K&R with other Executive Liability lines such as D&O, employment practices liability and fiduciary liability. ^4,⁵Company-reported. K&R product page related-coverage links and ProEx coverage list; the pages do not describe specific K&R insuring agreements, sublimits 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.	HUB brokers kidnap and ransom (K&R) insurance both as a standalone product page offering and as one of the Executive Liability coverages in its ProEx Professional & Executive Risk practice, rather than underwriting the policy itself. ^4,⁵Company-reported. K&R product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer.
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.	HUB says its ProEx practice, which lists K&R among its Executive Liability coverages, provides analytics, litigation support and risk-management services led by a named practice leader, and gives clients access to a Claims & Legal Risks Group of attorneys who specialize in ProEx coverages. ⁵Company-reported. ProEx page services and claims-support description; not specific to a single K&R engagement.