---
title: "CFC vs HUB International: Kidnap and Ransom Insurance"
description: "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."
canonical: "https://spot.insure/compare/cfc-vs-hub-international/kidnap-ransom"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-hub-international"
provider-a: "cfc"
provider-b: "hub-international"
coverage-line: "kidnap-ransom"
---
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## Agent Guide
**What this page is:** Focused comparison of CFC and HUB International for Kidnap and Ransom Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.
**Use this page when:** Cite or fetch this for Kidnap and Ransom Insurance questions about CFC versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.
**Questions this page answers:**
- CFC vs HUB International for Kidnap and Ransom Insurance: how do they differ?
- Which is better for Kidnap and Ransom Insurance, CFC or HUB International?
- What does CFC or HUB International publish about Kidnap and Ransom Insurance (limits, eligibility, claims, add-ons)?
**Key facts:**
- Line: Kidnap and Ransom Insurance. Providers: CFC and HUB International.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.
**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.
**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.
**Related pages:**
- [CFC vs HUB International](https://spot.insure/compare/cfc-vs-hub-international) — all coverage lines for this pair
- [Kidnap and Ransom Insurance guide](https://spot.insure/coverage/kidnap-ransom) — how this coverage works
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile
# 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.
CFC writes land and marine K&R itself, with 24/7 crisis consultants and up to $25 million for marine; HUB is a broker that places K&R alone or inside its ProEx executive-liability program.
## CFC vs HUB International Kidnap and Ransom Insurance Summary
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](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC") [2](https://www.cfc.com/en-us/products/industry/marine/ "Marine piracy insurance | CFC") [4](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
## 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](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC") [2](https://www.cfc.com/en-us/products/industry/marine/ "Marine piracy insurance | CFC") [4](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
### 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](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC") [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [4](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers")
## 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](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- If you have marine exposure, ask about CFC's $25 million combined marine limit; HUB's pages don't describe marine K&R. [2](https://www.cfc.com/en-us/products/industry/marine/ "Marine piracy insurance | CFC") [4](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers")
- Ask both for land K&R limits; neither publishes them. [4](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [1](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC")
## CFC vs HUB International Kidnap and Ransom Insurance Compared
| 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. [1](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..) | HUB directs K&R prospects to "Connect With a Broker" rather than an online quote or bind flow. [4](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") (Evidence: Company-reported; scope: 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. [1](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..)
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. [2](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..) | 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. [4](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [1](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..) | 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](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC") [2](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..) | 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. [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page services and claims-support description; not specific to a single K&R engagement..) |
## About CFC and HUB International and Kidnap and Ransom Insurance
- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/reviews)
- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [What Is Kidnap and Ransom Insurance?](https://spot.insure/coverage/kidnap-ransom)
## Related Pages for CFC vs HUB International Kidnap and Ransom Insurance
- [CFC vs HUB International](https://spot.insure/compare/cfc-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Kidnap and Ransom Insurance?](https://spot.insure/coverage/kidnap-ransom): Kidnap and ransom insurance provides financial protection for specified kidnapping and extortion events and access to crisis-response experts; check fit with your travel destinations.
- [CFC Kidnap and Ransom Insurance](https://spot.insure/insurance-providers/cfc/kidnap-ransom)
- [HUB International Kidnap and Ransom Insurance](https://spot.insure/insurance-providers/hub-international/kidnap-ransom)
## Sources for CFC vs HUB International Kidnap and Ransom Insurance
### Sources About CFC
1. [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.
2. [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.
3. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
### Sources About HUB International
4. [Kidnap and Ransom Insurance Brokers](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/). HUB International; Why coverage is needed: kidnap, extortion and illegal detention risk; incident and ransom-payment statistics; target audience of traveling executives, employees abroad and their loved ones; costs beyond ransom payment; Connect With a Broker call to action; cross-references to D&O, business interruption and cyber coverage. Accessed 2026-09-23.
5. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; ProEx Coverages list including Kidnap, Ransom, and Extortion insurance under Executive Liability; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.
Updated 2026-09-29. 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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