Gallagher vs Marsh Kidnap and Ransom Insurance

Gallagher's Executive and Financial Risk practice places kidnap, ransom and extortion coverage with outside carriers; it does not underwrite the policy. ³Company-reported. Group-level executive-and-financial-risk practice page.

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. ^10,11Company-reported. Marsh kidnap and ransom page and MMA executive and professional liability page.

The executive-and-financial-risk page does not name the insurer that would issue a given client's kidnap and ransom policy. ³Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page.

The reviewed page does not name a specific K&R insurer. ¹⁰Not publicly disclosed. Kidnap and ransom page as read on 2026-09-23.

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. ³Company-reported. Group-level executive-and-financial-risk practice page.

Marsh targets K&R coverage at multinational organizations and NGOs with international operations, companies with overseas contract work or foreign travel, and domestic companies whose workforce or executives face extortive-crime exposure. ¹⁰Company-reported. Kidnap and ransom page, Who needs kidnap and ransom insurance? FAQ.

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. ³Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.

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. ¹⁰Company-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. ¹⁰Company-reported. Kidnap and ransom page, Who can be covered? FAQ.

The page does not publish specific kidnap and ransom limits or premium ranges. ³Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page.

Not described in the reviewed sources.

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. ³Company-reported. Group-level executive-and-financial-risk practice page.

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. ¹⁰Company-reported. Kidnap and ransom page.