Gallagher vs 
HUB International: How Do They Compare for Kidnap and Ransom Insurance?
Gallagher places K&R with outside carriers and evaluates response teams; HUB International brokers the line for organizations with international travelers and key personnel.
Gallagher is a broker that checks each K&R insurer's rescue and security team before placing your policy and can add ransomware cover; HUB places K&R standalone or inside its ProEx executive-liability package, backed by a Claims & Legal Risks Group of attorneys. 1,2,3
What Are the Key Differences Between Gallagher and HUB International Kidnap and Ransom Insurance?
Vetted Rescue Teams vs Attorney Claims Support
Both are brokers; neither writes K&R, names insurers or publishes limits. Gallagher's Executive and Financial Risk practice says it analyzes each insurer's policy terms and response-team capability, and that its placements include access to trained rescue and security personnel. HUB places K&R standalone or within its ProEx executive-liability package, with analytics, litigation support and a Claims & Legal Risks Group of attorneys; you start by connecting with a broker. Choose Gallagher if the quality of the crisis responder is your main concern; choose HUB if you want K&R bundled with D&O and other executive cover under one team. 1 2 3
Ransomware Add-On vs Related Executive Lines
Gallagher covers executives, employees and families whose work and travel expose them to kidnapping and extortion, and says it can also secure ransomware coverage. HUB markets K&R to traveling executives, employees abroad or at home, key personnel and families, and points to D&O, business interruption and cyber as related protections rather than listing ransomware in K&R. HUB cites roughly 15,000 kidnap, extortion or illegal-detention incidents a year and about half a billion dollars in ransom payments. 1 2
What Should You Confirm in Gallagher and HUB International Kidnap and Ransom Insurance Quotes?
- Ask Gallagher whether ransomware sits on the same policy as kidnap, ransom and extortion. 1
- Ask HUB whether you're quoted a standalone form or a ProEx executive-liability placement. 3
- Ask both which insurer and crisis-response firm are on the quote, and the limits. 1 2
- Ask both who is insured among executives, employees, families and domestic staff. 1 2
Gallagher vs HUB International Kidnap and Ransom Insurance Compared
Gallagher vs HUB International: Kidnap and Ransom Insurance: documented features by provider
| Criteria | Gallagher Kidnap, Ransom and Extortion Liability Insurance | HUB International Kidnap and Ransom Insurance Brokerage |
|---|---|---|
| Who It’s For | Gallagher describes kidnap, ransom and extortion coverage as relevant to companies whose executives, employees or families travel or work in higher-risk settings, and separately says it is "a must for all companies," without naming a specific industry or size limit. 1Company-reported. Group-level executive-and-financial-risk practice page. | 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. 2Company-reported. K&R product page target-audience description; not an underwriting appetite statement. |
| Coverage Features | Gallagher describes this coverage as protecting executives, employees and their families whose work and travel expose them to kidnapping and extortion risk, and says it can also secure ransomware coverage. 1Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions. | 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. 2Company-reported. 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. 2,3Company-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. |
| Role in This Line | Gallagher's Executive and Financial Risk practice places kidnap, ransom and extortion coverage with outside carriers; it does not underwrite the policy. 1Company-reported. Group-level executive-and-financial-risk practice page. | 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. 2,3Company-reported. K&R product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer. |
| Risk Services | Gallagher says the coverage it arranges includes access to highly trained rescue and security personnel, and that it analyzes both the policy terms and a carrier's response-team capability when placing this line. 1Company-reported. Group-level executive-and-financial-risk practice page. | 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. 3Company-reported. ProEx page services and claims-support description; not specific to a single K&R engagement. |
