Gallagher vs 
Travelers Kidnap and Ransom Insurance
Gallagher brokers KRE and can add ransomware; Travelers writes K&R in Global Companion Plus+ for tech and life sciences.
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. 1,2,3,4,5
What Is Travelers Insurance?
Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. 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
Broker Versus Travelers Product
Gallagher places kidnap, ransom and extortion with outside carriers and does not underwrite. Travelers offers kidnap and ransom as a line inside Global Companion Plus+ and also lists it as a standalone product on its management and professional liability catalogue. Travelers is bought through an independent agent or Travelers representative; Gallagher’s reviewed page does not describe a consumer bind path. 3 9 10
Who the Offering Is Aimed At
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 naming an industry. Travelers aims Global Companion Plus+ at U.S.-based technology and life-sciences companies with employees who travel internationally or operations abroad, and notes the U.S. version of the package is non-admitted. 3 9
Coverage Notes and Attached Help
Gallagher describes protection against kidnapping and extortion risk and says it can also secure ransomware coverage, with access to rescue and security personnel after it analyzes the carrier’s response team. Travelers says kidnap and ransom typically pays kidnappers or extortionists, covers loss of ransom in transit, and reimburses other kidnapping expenses, and attaches an International Network of Insurance in over 150 countries plus global executive medical, personal and travel assistance. Gallagher’s reviewed page does not mention ransom in transit or a 150-country network; Travelers’ reviewed pages do not mention ransomware as part of this line. Neither set of pages publishes limits. 3 10 9
What to Confirm in Kidnap and Ransom Insurance Quotes
- Ask whether Travelers is quoting Global Companion Plus+ or a standalone form, and which carrier Gallagher selected. 9 3
- Confirm admitted status: Travelers says the U.S. Global Companion Plus+ package is non-admitted; Gallagher’s page does not address admitted status. 9 3
- Compare ransomware on Gallagher’s placement with ransom-in-transit wording on Travelers’ catalogue description. 3 10
- Get crisis-vendor names, network access and dollar limits on both quotes. 3 9
Offering Details
Gallagher vs Travelers Kidnap and Ransom Insurance: documented features by provider
| Criteria | Gallagher Kidnap, Ransom and Extortion Liability Insurance | Travelers Kidnap & Ransom Insurance (Global Companion Plus+) |
|---|---|---|
| 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. 3Company-reported. Group-level executive-and-financial-risk practice page. | Travelers offers kidnap and ransom coverage as one line within its Global Companion Plus+ package for technology and life-sciences companies with international exposure, and also lists it as a standalone product on its Management & Professional Liability catalogue page. 9,10Company-reported. Global Companion Plus+ "Robust suite of insurance coverages" section and Management & Professional Liability product list. |
| Issuing Insurer | 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. | Not described in the reviewed sources. |
| 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. 3Company-reported. Group-level executive-and-financial-risk practice page. | As part of Global Companion Plus+, kidnap and ransom coverage is aimed at U.S.-based technology and life-sciences companies with employees who travel internationally or operations abroad; the U.S. version of the package is non-admitted, meaning it is not equivalent to a locally admitted policy in every country. 9Company-reported. Global Companion Plus+ page "Who is Global Companion Plus+ right for?" and "Coordinated domestic policy gap coverage" sections. |
| 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. 3Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions. | Travelers says kidnap and ransom coverage typically pays kidnappers or extortionists, covers loss of ransom in transit, and reimburses other expenses incurred as a result of a kidnapping. 10Company-reported. Management & Professional Liability Insurance page, kidnap and ransom entry; exact terms and exclusions are set by the issued policy. |
| Limits and Retentions | 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. | Neither reviewed page publishes limits, retentions or premiums for kidnap and ransom coverage; amounts would appear on a quote. 9,10Not found in reviewed sources. Global Companion Plus+ and Management & Professional Liability pages as read on 2026-09-23. |
| 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. 3Company-reported. Group-level executive-and-financial-risk practice page. | Travelers says Global Companion Plus+ policyholders get access to its International Network of Insurance, a network of local carriers in over 150 countries, plus global executive support services offering medical, personal and travel assistance for employees traveling overseas. 9Company-reported. Global Companion Plus+ page "Extensive international network of partners" and "Global executive support services" sections. |
| How to Apply | Not described in the reviewed sources. | Kidnap and ransom coverage is bought through a Travelers independent agent or Travelers representative. 9Company-reported. Global Companion Plus+ page "Consult your insurance agent today" section. |
Full Comparison
More Gallagher vs Travelers Comparisons
Other Kidnap and Ransom Insurance Comparisons
Sources
Gallagher
- 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.
- Insurance for Technology & IT Businesses. 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.
- Executive and Financial Risk Insurance. Gallagher; Kidnap, Ransom and Extortion Liability insurance section. Accessed 2026-09-23.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Global Insurance for Technology and Life Sciences. Travelers; "Robust suite of insurance coverages" — general liability, property, auto, foreign voluntary workers compensation, employers liability, accidental death and dismemberment, and kidnap and ransom; U.S. Global Companion Plus+ is non-admitted. Accessed 2026-09-23.
- Management and Professional Liability Insurance. Travelers; "Select a product" list: Kidnap & ransom insurance — "typically covers payments to kidnappers or extortionists, loss of ransom in transit and other expenses incurred as a result of a kidnapping". Accessed 2026-09-23.
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.
