---
title: "Gallagher vs Relm Insurance Kidnap and Ransom Insurance"
description: "Gallagher brokers KRE across industries and can add ransomware; Relm launched a product for digital-asset and cannabis operators."
canonical: "https://spot.insure/compare/gallagher-vs-relm/kidnap-ransom"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/gallagher-vs-relm/kidnap-ransom)

# Gallagher vs Relm Insurance Kidnap and Ransom Insurance

Gallagher brokers KRE across industries and can add ransomware; Relm launched a product for digital-asset and cannabis operators.

## Research Scope and Use

Use this comparison to evaluate Gallagher and Relm Insurance 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

Gallagher’s Executive and Financial Risk practice places kidnap, ransom and extortion with outside carriers and reviews the carrier’s rescue team. Relm launched its own K&R product for digital-asset and cannabis sectors, with a 24/7 operations center and a 10% Risk Mitigation Allowance. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats")

## What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## What Is Relm Insurance?

Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. [6](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [7](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## 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. [9](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/kidnap-ransom "Kidnap and Ransom Applications and Forms") [10](https://www.chubb.com/us-en/business-insurance/the-chubb-primary-kidnap-ransom-extortion-insurance.html "The Chubb Primary Kidnap Ransom and Extortion Insurance") [11](https://asset.trvstatic.com/download/assets/ker-16001.pdf/fec9c08a63ca11eea3d58e94a50adee5 "Kidnap and Ransom Coverage")

## Key Differences in Kidnap and Ransom Insurance

### Broker Placement Versus Relm’s Product Launch

Gallagher places kidnap, ransom and extortion with outside carriers and does not underwrite the policy. Relm announced its own K&R insurance product, built in partnership with an unnamed third-party industry leader in personnel security for the incident-response side. Gallagher’s reviewed page does not name an issuing insurer; Relm’s announcement likewise does not name the specific issuing insurer, describing Relm as the specialty insurer launching the product. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats")

### Intended Buyers

Gallagher describes the 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 an industry cutoff. Relm designed the product specifically for individuals and organizations in the digital asset and cannabis sectors, citing doxxing of crypto leaders and cannabis operators handling physical cash. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats")

### Coverage and Response Programs

Gallagher describes protection against kidnapping and extortion risk and says it can also secure ransomware coverage, with access to trained rescue and security personnel chosen after it analyzes the carrier’s response team. Relm lists kidnap, extortion, threats, disappearance, express or virtual kidnap, malicious detention, hijack, hostage crises and evacuation due to a credible threat, plus a 24/7 operations center with Security Response Directors in eight countries and a 10% Risk Mitigation Allowance for training and threat briefings. Gallagher’s reviewed page does not describe a percentage risk-mitigation allowance; Relm’s announcement does not mention ransomware as part of this product. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats")

## What to Confirm in Kidnap and Ransom Insurance Quotes

- Ask Relm which entity issues the policy and which partner staffs the operations center; ask Gallagher which carrier and rescue vendor it selected. [8](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Confirm whether Gallagher’s placement includes ransomware and whether Relm’s form includes virtual kidnap and threat-based evacuation. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats")
- Check whether Relm’s 10% Risk Mitigation Allowance is on the quote and how Gallagher prices pre-incident training. [8](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Confirm eligibility if you sit outside digital-asset or cannabis work relative to Relm’s stated design, or outside Gallagher’s travel-risk framing. [8](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## Offering Details

| Criteria | Gallagher Kidnap, Ransom and Extortion Liability Insurance | Relm Kidnap and Ransom (K&R) Insurance |
| --- | --- | --- |
| 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) | 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. [8](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats") (Evidence: Company-reported; scope: Company launch announcement; not a statement identifying the specific issuing insurer for a K&R placement..) |
| Issuing Insurer | The executive-and-financial-risk page does not name the insurer that would issue a given client's kidnap and ransom policy. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level executive-and-financial-risk practice page..) | 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. [8](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats") (Evidence: Not publicly disclosed; scope: Launch announcement as read on 2026-09-23..) |
| 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) | 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. [8](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats") (Evidence: Company-reported; scope: Launch announcement 'Addressing a New Class of Risk' section; not a guarantee of eligibility for a particular individual or organization..) |
| 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions..) | 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. [8](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats") (Evidence: Company-reported; scope: Launch announcement coverage list; the issued policy and declarations control..) |
| Limits and Retentions | The page does not publish specific kidnap and ransom limits or premium ranges. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level executive-and-financial-risk practice page..) | Not described in the reviewed sources. |
| 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) | 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. [8](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats") (Evidence: Company-reported; scope: Launch announcement crisis-response description; provided through the named third-party security partner, not Relm directly..)<br><br>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. [8](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats") (Evidence: Company-reported; scope: Launch announcement 'Ensuring Pre-incident Readiness' section..) |

## Full Comparison

- [Gallagher vs Relm Insurance](https://spot.insure/compare/gallagher-vs-relm): 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.
- [Gallagher vs Relm Insurance Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-relm/commercial-property)
- [Gallagher vs Relm Insurance Crime Insurance](https://spot.insure/compare/gallagher-vs-relm/crime)
- [Gallagher vs Relm Insurance Cyber Insurance](https://spot.insure/compare/gallagher-vs-relm/cyber)
- [Gallagher vs Relm Insurance D&O Insurance](https://spot.insure/compare/gallagher-vs-relm/directors-officers)
- [Gallagher vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-relm/employment-practices)
- [Gallagher vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-relm/fiduciary)
- [Gallagher vs Relm Insurance General Liability Insurance](https://spot.insure/compare/gallagher-vs-relm/general-liability)
- [Gallagher vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-relm/professional-errors-omissions)
- [Gallagher vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/gallagher-vs-relm/technology-errors-omissions)
- [Gallagher vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-relm/umbrella-excess)
- [CFC vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-gallagher/kidnap-ransom)
- [CFC vs Relm Insurance Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-relm/kidnap-ransom)
- [Chubb vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-gallagher/kidnap-ransom)
- [Chubb vs Relm Insurance Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-relm/kidnap-ransom)
- [Coverdash vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/coverdash-vs-gallagher/kidnap-ransom)
- [Coverdash vs Relm Insurance Kidnap and Ransom Insurance](https://spot.insure/compare/coverdash-vs-relm/kidnap-ransom)

## Sources

### Gallagher

1. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
2. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Kidnap, Ransom and Extortion Liability insurance section. Accessed 2026-09-23.
4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
5. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.

### Relm Insurance

6. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
7. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
8. [Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/). Relm Insurance; Launch announcement; Powered by Proven Security Response Capabilities; Comprehensive Protection with Immediate Response; Ensuring Pre-incident Readiness With a 10% Risk Mitigation Allowance; Addressing a New Class of Risk. Accessed 2026-09-23.

### Kidnap and Ransom Insurance Guide

9. [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.
10. [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.
11. [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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