HUB International vs Marsh Kidnap and Ransom Insurance

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. ^4,5Company-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. ^10,11Company-reported. Marsh kidnap and ransom page and MMA executive and professional liability page.

The K&R product page and the ProEx page do not name an issuing insurer for K&R policies; HUB says ProEx places over $2 billion in premium with insurers it calls top-rated carriers, without naming them. ^4,5Not found in reviewed sources. Checked both pages on 2026-09-23; the carrier for a specific K&R placement depends on the quote.

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

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. ⁴Company-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. ¹⁰Company-reported. Kidnap and ransom page, Who needs kidnap and ransom insurance? FAQ.

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. ⁴Company-reported. K&R product page risk-framing statistics; company-reported and not independently verified by Spot.

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. ^4,5Company-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. 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.

Published K&R policy limits or retentions were not found on the reviewed pages. ^4,5Not publicly disclosed. Checked the K&R product page and ProEx page on 2026-09-23; limits are set on the quote and declarations.

Not described in the reviewed sources.

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. ⁵Company-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. ¹⁰Company-reported. Kidnap and ransom page.

HUB directs K&R prospects to "Connect With a Broker" rather than an online quote or bind flow. ⁴Company-reported. K&R product page call to action.

Not described in the reviewed sources.