CNA vs Relm Insurance: How Do They Compare for Kidnap and Ransom Insurance?

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Relm announced its own Kidnap and Ransom (K&R) insurance product, built in partnership with an unnamed third-party industry leader in personnel security and crisis response for the incident-response side of the offering. ⁸Company-reported. Company launch announcement; not a statement identifying the specific issuing insurer for a K&R placement.

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The reviewed announcement does not name the specific issuing insurer for K&R policies, only describing Relm as the specialty insurer launching the product and a named third-party partner for security response services. ⁸Not publicly disclosed. Launch announcement as read on 2026-09-23.

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.

Relm designed the K&R product specifically for individuals and organizations in the digital asset and cannabis sectors, citing crypto leaders being doxxed or publicly linked to token holdings, and cannabis operators handling large amounts of physical cash due to banking constraints, as the targeted exposures. ⁸Company-reported. Launch announcement 'Addressing a New Class of Risk' section; not a guarantee of eligibility for a particular individual or organization.

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.

Relm says the K&R product covers kidnap, extortion, threats, disappearance, express or virtual kidnap, malicious detention, hijack and hostage crises, and evacuation due to a credible threat. ⁸Company-reported. Launch announcement coverage list; the issued policy and declarations control.

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.

Relm says the product gives clients immediate access to a 24/7 operations center and a team of Security Response Directors with over 200 years of combined crisis experience across more than 1,600 incidents, strategically located in the US, Colombia, Mexico, the UK, France, Portugal, Nigeria and Spain. ⁸Company-reported. Launch announcement crisis-response description; provided through the named third-party security partner, not Relm directly.

Relm says the policy includes a 10% Risk Mitigation Allowance for pre-incident support such as training, security-awareness sessions, threat briefings and optional exposure reviews, plus 24/7 hotline access. ⁸Company-reported. Launch announcement 'Ensuring Pre-incident Readiness' section.

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.

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