---
title: "CFC vs Travelers Kidnap and Ransom Insurance"
description: "CFC underwrites land and marine K&R; Travelers offers K&R inside Global Companion Plus+ for tech and life sciences and as a catalogue product."
canonical: "https://spot.insure/compare/cfc-vs-travelers/kidnap-ransom"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# CFC vs Travelers Kidnap and Ransom Insurance

CFC underwrites land and marine K&R; Travelers offers K&R inside Global Companion Plus+ for tech and life sciences and as a catalogue product.

## Research Scope and Use

Use this comparison to evaluate CFC and Travelers 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 and a marine product with USD 25 million combined limits. Travelers offers K&R inside Global Companion Plus+ for U.S. technology and life-sciences companies with international exposure, and also lists it on its management-liability catalogue. [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") [10](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [11](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability 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 Travelers Insurance?

Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. [7](https://www.travelers.com/business-insurance/technology "Technology Insurance") [8](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [9](https://www.travelers.com/contact-us "Contact Us")

[Travelers profile](https://spot.insure/insurance-providers/travelers)

## 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

### Land and Marine Underwriting Versus a Global Package Line

CFC underwrites land K&R and a specialist marine product. Travelers offers kidnap and ransom as one line in Global Companion Plus+ for technology and life-sciences companies with international exposure, and also lists it as a standalone item on its Management & Professional Liability catalogue. [5](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC") [10](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [11](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance")

### What the Pages Say the Policy Pays

Travelers says K&R typically pays kidnappers or extortionists, covers loss of ransom in transit, and reimburses other kidnapping-related expenses. CFC’s land page lists bodily-injury definition, legal and expense cover, an extended personal accident benefit and optional endorsements; its marine page adds combined limits up to USD 25 million and standalone loss of hire. [11](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [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")

### Admitted Status and Buying Path

Travelers says the U.S. version of Global Companion Plus+ is non-admitted, and that K&R is bought through an independent agent or Travelers representative, with access to an International Network of Insurance in over 150 countries and global executive support services. CFC publishes a downloadable land application for brokers or businesses. [10](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [5](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC")

## What to Confirm in Kidnap and Ransom Insurance Quotes

- Ask whether Travelers would quote K&R inside Global Companion Plus+ or as the catalogue product, and whether that U.S. package is non-admitted for your countries. [10](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [11](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance")
- If you have vessel exposure, ask about CFC’s marine product; Travelers’ reviewed pages do not isolate a marine K&R form. [6](https://www.cfc.com/en-us/products/industry/marine/ "Marine piracy insurance | CFC") [10](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences")
- Compare ransom-in-transit on Travelers with CFC’s land and marine insuring agreements. [11](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [5](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC")
- Get limits from both; Travelers’ pages and CFC’s land page do not publish them. [10](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [5](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC")

## Offering Details

| Criteria | CFC Kidnap & Ransom Insurance | Travelers Kidnap & Ransom Insurance (Global Companion Plus+) |
| --- | --- | --- |
| 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..) | Travelers offers kidnap and ransom coverage as one line within its Global Companion Plus+ package for technology and life-sciences companies with international exposure, and also lists it as a standalone product on its Management & Professional Liability catalogue page. [10](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [11](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") (Evidence: Company-reported; scope: Global Companion Plus+ "Robust suite of insurance coverages" section and Management & Professional Liability product list..) |
| 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..) | Not described in the reviewed sources. |
| Who It’s For | Not described in the reviewed sources. | As part of Global Companion Plus+, kidnap and ransom coverage is aimed at U.S.-based technology and life-sciences companies with employees who travel internationally or operations abroad; the U.S. version of the package is non-admitted, meaning it is not equivalent to a locally admitted policy in every country. [10](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Global Companion Plus+ page "Who is Global Companion Plus+ right for?" and "Coordinated domestic policy gap coverage" sections..) |
| 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..) | Travelers says kidnap and ransom coverage typically pays kidnappers or extortionists, covers loss of ransom in transit, and reimburses other expenses incurred as a result of a kidnapping. [11](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") (Evidence: Company-reported; scope: Management & Professional Liability Insurance page, kidnap and ransom entry; exact terms and exclusions are set by the issued policy..) |
| 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..) | Neither reviewed page publishes limits, retentions or premiums for kidnap and ransom coverage; amounts would appear on a quote. [10](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [11](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") (Evidence: Not found in reviewed sources; scope: Global Companion Plus+ and Management & Professional Liability pages as read on 2026-09-23..) |
| 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..) | Travelers says Global Companion Plus+ policyholders get access to its International Network of Insurance, a network of local carriers in over 150 countries, plus global executive support services offering medical, personal and travel assistance for employees traveling overseas. [10](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Global Companion Plus+ page "Extensive international network of partners" and "Global executive support services" sections..) |
| 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..) | Kidnap and ransom coverage is bought through a Travelers independent agent or Travelers representative. [10](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Global Companion Plus+ page "Consult your insurance agent today" section..) |

## Full Comparison

- [CFC vs Travelers](https://spot.insure/compare/cfc-vs-travelers): 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 Travelers Commercial Property Insurance](https://spot.insure/compare/cfc-vs-travelers/commercial-property)
- [CFC vs Travelers Crime Insurance](https://spot.insure/compare/cfc-vs-travelers/crime)
- [CFC vs Travelers Cyber Insurance](https://spot.insure/compare/cfc-vs-travelers/cyber)
- [CFC vs Travelers D&O Insurance](https://spot.insure/compare/cfc-vs-travelers/directors-officers)
- [CFC vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-travelers/employment-practices)
- [CFC vs Travelers General Liability Insurance](https://spot.insure/compare/cfc-vs-travelers/general-liability)
- [CFC vs Travelers Management Liability Insurance](https://spot.insure/compare/cfc-vs-travelers/management-liability)
- [CFC vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/cfc-vs-travelers/professional-errors-omissions)
- [CFC vs Travelers Tech E&O Insurance](https://spot.insure/compare/cfc-vs-travelers/technology-errors-omissions)
- [CFC vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-travelers/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 Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-gallagher/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)

## 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.

### Travelers

7. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
8. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
9. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
10. [Global Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/global/technology-companion). Travelers; "Robust suite of insurance coverages" — general liability, property, auto, foreign voluntary workers compensation, employers liability, accidental death and dismemberment, and kidnap and ransom; U.S. Global Companion Plus+ is non-admitted. Accessed 2026-09-23.
11. [Management and Professional Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance). Travelers; "Select a product" list: Kidnap & ransom insurance — "typically covers payments to kidnappers or extortionists, loss of ransom in transit and other expenses incurred as a result of a kidnapping". Accessed 2026-09-23.

### 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 2026-09-23. 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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