CFC vs 
Marsh: How Do They Compare for Kidnap and Ransom Insurance?
CFC's marine K&R policy has a stated combined limit up to $25 million; Marsh describes broad event coverage and response-consultant fees without a duration limit.
CFC is the insurer, with a land K&R policy and a separate marine product offering up to $25 million, plus 24/7 crisis consultants. Marsh places K&R whose typical terms automatically cover guests, customers, contractors and consultants, with unlimited response-consultant fees. 1,2,4
What Are the Key Differences Between CFC and Marsh Kidnap and Ransom Insurance?
An Insurer With a Marine Option vs a Broker’s Placement
CFC underwrites land K&R and a separate marine product, so you get its own form. Marsh’s risk-management practice places K&R with insurers and pairs it with crisis-response services; Marsh McLennan Agency also offers the line through its executive and professional liability team. Choose CFC if you have vessels or crews at sea; choose Marsh if your duty of care extends to guests, customers, contractors or consultants. 1 2 4 5
Guests and Contractors Included vs Employees Only Stated
Marsh says companies typically insure all directors, officers, employees and their families under one blanket policy, and that corporate policies it arranges automatically include guests, customers, contractors and consultants. CFC describes its land policy as covering businesses and their employees and doesn’t say others are automatically covered. If you host visitors or send contractors abroad, that gap matters. 4 1
Unlimited Consultant Fees vs 24/7 Access
Marsh says a typical policy covers response-consultant fees without limit, however long the crisis lasts, with consultants handling negotiations and safe release. CFC gives land and marine policyholders 24/7 access to crisis-response consultants through a global team, but doesn’t say their fees are unlimited. A long kidnapping can run up large consultant bills, so check whether those fees reduce your limit. 4 1 2
What Should You Confirm in CFC and Marsh Kidnap and Ransom Insurance Quotes?
- Ask CFC whether its land form covers guests, contractors and consultants, and confirm Marsh’s quote includes them. 4 1
- If you have vessel exposure, ask Marsh whether it can place a marine K&R form like CFC’s. 2 4
- Ask whether consultant fees sit inside a sublimit or run uncapped on each quote. 4 1
- Get the insurer and dollar limits from both; CFC publishes $25 million only for the marine product. 4 2
CFC vs Marsh Kidnap and Ransom Insurance Compared
CFC vs Marsh: Kidnap and Ransom Insurance: documented features by provider
| Criteria | CFC Kidnap & Ransom Insurance | Marsh Kidnap & Ransom Insurance Brokerage |
|---|---|---|
| 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. | Marsh says a K&R policy typically covers kidnap, extortion, detention, hijacking, threats, disappearance, active shooter incidents, emergency political evacuation and repatriation, hostage crises and violent assaults, along with unlimited coverage for response-consultant fees regardless of crisis duration. 4Company-reported. Kidnap and ransom page FAQs; illustrative policy description, not a specific policy form. Marsh says companies typically insure all directors, officers, employees and their families under one blanket policy. Corporate K&R policies it arranges also automatically include guests, customers, contractors and consultants under the company's duty of care. 4Company-reported. Kidnap and ransom page, Who can be covered? FAQ. |
| 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. | Marsh's risk management practice places kidnap and ransom (K&R) insurance and pairs it with crisis-response services; MMA also lists kidnap and ransom within its executive and professional liability practice. 4,5Company-reported. Marsh kidnap and ransom page and MMA executive and professional liability 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. | Marsh says K&R policies provide immediate, guaranteed access to experienced response consultants who assist with crisis aspects such as negotiations and safe releases, working discreetly alongside law enforcement. 4Company-reported. Kidnap and ransom page. |
