HUB International vs 
Marsh: How Do They Compare for Kidnap and Ransom Insurance?
HUB International brokers K&R for organizations with international travelers; Marsh describes wider covered events and response-consultant access for global and domestic risks.
Buyers seeking broad insured-person coverage and unlimited crisis-consultant fees can review Marsh’s typical policy terms; HUB places K&R standalone or within ProEx and offers a claims attorney team, but does not publish policy terms. 3,1,2
What Are the Key Differences Between HUB International and Marsh Kidnap and Ransom Insurance?
Published Crisis Terms vs an Executive-Liability Broker
Both broker K&R and neither names the insurer. Marsh's risk-management practice places K&R with crisis-response services, and Marsh McLennan Agency lists it under executive and professional liability. HUB has a standalone K&R page and also lists the line in ProEx Executive Liability, which it says places over $2 billion in premium. Choose Marsh if you have staff, guests or contractors traveling to higher-risk places and want broad, published cover; choose HUB if you want K&R arranged with your D&O and other executive lines. 1 2 3 4
What the Cover Includes
Marsh lists kidnap, extortion, detention, hijacking, threats, disappearance, active shooter incidents, emergency political evacuation and repatriation, hostage crises and violent assaults. It also pays response-consultant fees without limit, however long the crisis lasts. HUB's page doesn't publish insuring agreements; it says costs can arise even when no ransom is paid, and points to D&O, business interruption and cyber as related cover. 1 3
Who Is Covered and Who Helps
Marsh typically covers directors, officers, employees and families, and automatically includes guests, customers, contractors and consultants. Its policies give immediate access to response consultants who negotiate and work with law enforcement. HUB targets traveling executives, employees abroad or at home, key personnel and families, and its ProEx practice adds analytics, litigation support and a Claims & Legal Risks Group of attorneys. 2 1 3
What Should You Confirm in HUB International and Marsh Kidnap and Ransom Insurance Quotes?
- Ask HUB whether it's quoting standalone K&R or a ProEx package, and whether consultant fees are unlimited as Marsh describes. 2 3
- Ask HUB whether guests, customers, contractors and consultants are covered automatically. 3 1
- Ask HUB who responds during a kidnapping, beyond its claims attorneys. 2 3
- Get the insurer and limits on both quotes. 2 3
HUB International vs Marsh Kidnap and Ransom Insurance Compared
HUB International vs Marsh: Kidnap and Ransom Insurance: documented features by provider
| Criteria | HUB International Kidnap and Ransom Insurance Brokerage | Marsh Kidnap & Ransom Insurance Brokerage |
|---|---|---|
| Who It’s For | 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. 1Company-reported. K&R product page target-audience description; not an underwriting appetite statement. | 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. 3Company-reported. Kidnap and ransom page, Who needs kidnap and ransom insurance? FAQ. |
| Coverage Features | 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. 1Company-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. 1,2Company-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. | 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. 3Company-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. 3Company-reported. Kidnap and ransom page, Who can be covered? FAQ. |
| Role in This Line | 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. 1,2Company-reported. K&R product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer. | 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. 3,4Company-reported. Marsh kidnap and ransom page and MMA executive and professional liability page. |
| Risk Services | 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. 2Company-reported. ProEx page services and claims-support description; not specific to a single K&R engagement. | 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. 3Company-reported. Kidnap and ransom page. |
