CNA vs 
HUB International: How Do They Compare for Kidnap and Ransom Insurance?
CNA Small Business Insurance: Products, Agents and Service
CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. 1,2,3
What Is HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 6,7,8
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. 11,12,13
Key Differences in Kidnap and Ransom Insurance
Covered people and exposure context
HUB International markets K&R for executives who travel internationally, employees working abroad or domestically, and other key personnel whose safety is critical, along with their families. CNA’s older brochure frames typical buyers as organizations with overseas travelers or operations. A company with staff whose roles create domestic exposure should ask how CNA’s current form treats those people; HUB International’s broader buyer description is not itself a promise of policy coverage. 9 5
Placement route and support
HUB International describes a broker-led placement and does not name the insurer or publish policy limits. CNA’s current Management Liability page tells agents to request applications through Agent Center, while its older brochure describes red24 crisis-response support. HUB International’s ProEx practice also describes analytics and claims/legal risk resources, but those services are broader practice capabilities. Compare the actual K&R response protocol, named carrier, limits and application requirements rather than assume general advisory services are policy benefits. 9 10 4 5
What to Confirm in Kidnap and Ransom Insurance Quotes
CNA and HUB International Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
CNA Review Score
Review Score
1 rated source
Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.[1][5]
Read CNA reviewsHUB International Review Score
Review Score
2 rated sources
Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]
Read HUB International reviewsCNA vs HUB International Kidnap and Ransom Insurance Compared
CNA vs HUB International: Kidnap and Ransom Insurance: documented features by provider
| Criteria | Kidnap, Ransom and Extortion | HUB International Kidnap and Ransom Insurance Brokerage |
|---|---|---|
| Role in This Line | Confirm in your quote. | 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. 9,10Company-reported. K&R product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer. |
| Issuing Insurer | Confirm in your quote. | The K&R product page and the ProEx page do not name an issuing insurer for K&R policies; HUB says ProEx places over $2 billion in premium with insurers it calls top-rated carriers, without naming them. 9,10Not found in reviewed sources. Checked both pages on 2026-09-23; the carrier for a specific K&R placement depends on the quote. |
| Who It’s For | CNA’s 2012 brochure identifies organizations with overseas travelers or operations among typical buyers and names manufacturers, professional-services firms, hospitals, financial institutions, technology and construction companies. 5Company-reported. Historical target examples are not current underwriting rules or eligibility guarantees. | HUB markets K&R coverage to organizations with executives who travel internationally, employees working abroad or domestically, and other key personnel whose safety is considered critical to the organization, plus their families. 9Company-reported. K&R product page target-audience description; not an underwriting appetite statement. |
| Coverage Features | CNA’s current Management Liability page lists Kidnap, Ransom and Extortion; the older CNA brochure describes insured events including kidnapping, extortion, hijack and detention. 4,5Company-reported. The current page confirms catalogue membership; 2012 brochure details are historical marketing and may not match current forms. | 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. 9Company-reported. K&R product page risk-framing statistics; company-reported and not independently verified by Spot. 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. 9,10Company-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. |
| Limits and Retentions | Confirm in your quote. | Published K&R policy limits or retentions were not found on the reviewed pages. 9,10Not publicly disclosed. Checked the K&R product page and ProEx page on 2026-09-23; limits are set on the quote and declarations. |
| Risk Services | The brochure describes access to crisis-response services from red24, including security advice and response support. 5Company-reported. The 2012 source does not establish the current vendor arrangement or services attached to a present-day quote. | 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. 10Company-reported. ProEx page services and claims-support description; not specific to a single K&R engagement. |
| How to Apply | CNA’s current Management Liability page tells agents to request applications through the Agent Center. 4Company-reported. This is a general management-liability submission direction; the page does not describe a buyer-direct K&R flow. | HUB directs K&R prospects to "Connect With a Broker" rather than an online quote or bind flow. 9Company-reported. K&R product page call to action. |
Related Pages for CNA vs HUB International Kidnap and Ransom Insurance
Kidnap and Ransom Insurance Pages for CNA and HUB International
Other Coverage Lines Compared for CNA vs HUB International
Other Kidnap and Ransom Insurance Provider Comparisons
Sources for CNA vs HUB International Kidnap and Ransom Insurance
Sources About CNA
- Insurance for Small Businesses. CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark). Accessed 2026-09-28.
- CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
- General Disclaimer. CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29. Accessed 2026-09-29.
- Management Liability Insurance and Professional Liability. CNA; Current U.S. page: management liability names crime and kidnap/ransom/extortion; lists management product coverages and Epack 3 modular structure, application channel and caveats. Retrieved 2026-09-30. Accessed 2026-09-30.
- Kidnap, Ransom and Extortion Coverage From CNA. CNA; Official brochure: named insured persons, event categories, crisis response services, target buyers and worldwide wording; dated KRESS FL 040412 (2012), historical product summary, not evidence all provisions remain current. Retrieved 2026-09-30. Accessed 2026-09-30.
Sources About HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Kidnap and Ransom Insurance Brokers. 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.
- HUB ProEx. 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.
Sources for the Kidnap and Ransom Insurance Guide
- Kidnap and Ransom Applications and Forms. Travelers; Opening; Applications; Sample policy forms. Accessed 2026-09-16.
- The Chubb Primary Kidnap Ransom and Extortion Insurance. Chubb; Opening; Kidnap, Ransom & Extortion Insurance Highlights. Accessed 2026-09-16.
- Kidnap and Ransom Coverage. Travelers; I pp.1–2; III pp.3–9; IV p.9; V pp.10–13. Accessed 2026-09-16.
