---
title: "HUB International vs Marsh Kidnap and Ransom Insurance"
description: "HUB places K&R through ProEx with attorney support; Marsh lists a wider crisis suite, unlimited consultant fees and blanket insureds."
canonical: "https://spot.insure/compare/hub-international-vs-marsh/kidnap-ransom"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/hub-international-vs-marsh/kidnap-ransom)

# HUB International vs Marsh Kidnap and Ransom Insurance

HUB places K&R through ProEx with attorney support; Marsh lists a wider crisis suite, unlimited consultant fees and blanket insureds.

## Research Scope and Use

Use this comparison to evaluate HUB International and Marsh 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

HUB International brokers kidnap and ransom as a standalone product and as ProEx Executive Liability, with a Claims & Legal Risks Group of attorneys. Marsh’s K&R practice describes kidnap through political evacuation and active shooter, unlimited response-consultant fees, and automatic cover for guests, customers, contractors and consultants. [4](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [10](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom")

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [1](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Marsh?

Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. [6](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [7](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [8](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [9](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management")

[Marsh profile](https://spot.insure/insurance-providers/marsh)

## 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. [12](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/kidnap-ransom "Kidnap and Ransom Applications and Forms") [13](https://www.chubb.com/us-en/business-insurance/the-chubb-primary-kidnap-ransom-extortion-insurance.html "The Chubb Primary Kidnap Ransom and Extortion Insurance") [14](https://asset.trvstatic.com/download/assets/ker-16001.pdf/fec9c08a63ca11eea3d58e94a50adee5 "Kidnap and Ransom Coverage")

## Key Differences in Kidnap and Ransom Insurance

### Where the Line Sits in Each Brokerage

HUB and Marsh both place kidnap and ransom rather than underwrite it. HUB presents a standalone kidnap and ransom product page and lists the line among ProEx Executive Liability coverages, directing prospects to connect with a broker. Marsh’s risk-management practice places K&R with crisis-response services, and MMA lists it in executive and professional liability. HUB says ProEx places over $2 billion in premium with insurers it calls top-rated carriers, without naming them; Marsh’s reviewed page also does not name a K&R insurer. [4](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [10](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom") [11](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance")

### Coverage Description Versus Related Lines

HUB’s product page cites incident and ransom-payment statistics, says costs can arise even when no ransom is paid, and cross-references directors and officers, business interruption and cyber. Marsh’s FAQ lists kidnap, extortion, detention, hijacking, threats, disappearance, active shooter incidents, emergency political evacuation and repatriation, hostage crises and violent assaults, plus unlimited coverage for response-consultant fees regardless of crisis duration. HUB’s reviewed pages do not publish those insuring-agreement details. [4](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [10](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom")

### Support Model and Insured Persons

HUB says ProEx provides analytics, litigation support and risk-management services and access to a Claims & Legal Risks Group of attorneys who specialize in ProEx coverages. Marsh says policies provide immediate, guaranteed access to response consultants who assist with negotiations and work discreetly alongside law enforcement. HUB markets to traveling executives, employees abroad or domestically, key personnel and families. Marsh typically blankets directors, officers, employees and families, and says guests, customers, contractors and consultants are included automatically. [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [4](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [10](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom")

## What to Confirm in Kidnap and Ransom Insurance Quotes

- Ask whether HUB is quoting standalone K&R or a ProEx package, and whether Marsh’s unlimited consultant-fee wording is in the form. [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [10](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom")
- Confirm automatic insureds for guests, customers, contractors and consultants, which Marsh lists and HUB’s page does not. [10](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom") [4](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers")
- Compare attorney claims support on HUB’s ProEx engagement with Marsh’s named response consultants. [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [10](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom")
- Get issuing carriers and limits from both quotes. [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [10](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom")

## Offering Details

| Criteria | HUB International Kidnap and Ransom Insurance Brokerage | Marsh Kidnap & Ransom Insurance Brokerage |
| --- | --- | --- |
| 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. [4](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom") [11](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") (Evidence: Company-reported; scope: Marsh kidnap and ransom page and MMA executive and professional liability page..) |
| Issuing Insurer | 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](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not found in reviewed sources; scope: 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. [10](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom") (Evidence: Not publicly disclosed; scope: Kidnap and ransom page as read on 2026-09-23..) |
| 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. [4](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") (Evidence: Company-reported; scope: 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. [10](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") (Evidence: Company-reported; scope: K&R product page risk-framing statistics; company-reported and not independently verified by Spot..)<br><br>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](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [10](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom") (Evidence: Company-reported; scope: Kidnap and ransom page FAQs; illustrative policy description, not a specific policy form..)<br><br>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. [10](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom") (Evidence: Company-reported; scope: Kidnap and ransom page, Who can be covered? FAQ..) |
| Limits and Retentions | Published K&R policy limits or retentions were not found on the reviewed pages. [4](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not publicly disclosed; scope: 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. |
| 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. [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [10](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom") (Evidence: Company-reported; scope: Kidnap and ransom page..) |
| How to Apply | HUB directs K&R prospects to "Connect With a Broker" rather than an online quote or bind flow. [4](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") (Evidence: Company-reported; scope: K&R product page call to action..) | Not described in the reviewed sources. |

## Full Comparison

- [HUB International vs Marsh](https://spot.insure/compare/hub-international-vs-marsh): 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.
- [HUB International vs Marsh Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-marsh/builders-risk)
- [HUB International vs Marsh Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-marsh/commercial-property)
- [HUB International vs Marsh Crime Insurance](https://spot.insure/compare/hub-international-vs-marsh/crime)
- [HUB International vs Marsh Cyber Insurance](https://spot.insure/compare/hub-international-vs-marsh/cyber)
- [HUB International vs Marsh D&O Insurance](https://spot.insure/compare/hub-international-vs-marsh/directors-officers)
- [HUB International vs Marsh Employee Health Benefits](https://spot.insure/compare/hub-international-vs-marsh/employee-health-benefits)
- [HUB International vs Marsh Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh/employment-practices)
- [HUB International vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-marsh/equipment-breakdown)
- [HUB International vs Marsh Fidelity Bonds](https://spot.insure/compare/hub-international-vs-marsh/fidelity-bonds)
- [HUB International vs Marsh Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh/fiduciary)
- [HUB International vs Marsh Management Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh/management-liability)
- [HUB International vs Marsh Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-marsh/professional-errors-omissions)
- [HUB International vs Marsh Surety Bonds](https://spot.insure/compare/hub-international-vs-marsh/surety-bonds)
- [HUB International vs Marsh Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-marsh/technology-errors-omissions)
- [HUB International vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-marsh/workers-compensation)
- [CFC vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-hub-international/kidnap-ransom)
- [CFC vs Marsh Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-marsh/kidnap-ransom)
- [Chubb vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-hub-international/kidnap-ransom)
- [Chubb vs Marsh Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-marsh/kidnap-ransom)
- [Coverdash vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/coverdash-vs-hub-international/kidnap-ransom)
- [Coverdash vs Marsh Kidnap and Ransom Insurance](https://spot.insure/compare/coverdash-vs-marsh/kidnap-ransom)

## Sources

### HUB International

1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
4. [Kidnap and Ransom Insurance Brokers](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/). HUB International; Why coverage is needed: kidnap, extortion and illegal detention risk; incident and ransom-payment statistics; target audience of traveling executives, employees abroad and their loved ones; costs beyond ransom payment; Connect With a Broker call to action; cross-references to D&O, business interruption and cyber coverage. Accessed 2026-09-23.
5. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; ProEx Coverages list including Kidnap, Ransom, and Extortion insurance under Executive Liability; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.

### Marsh

6. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
7. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
8. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
9. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
10. [Kidnap & Ransom](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html). Marsh; Opening positioning; FAQs: How does kidnap and ransom insurance work?; Who needs kidnap and ransom insurance?; What does kidnap and ransom insurance cover?; Who can be covered by kidnap and ransom insurance?. Accessed 2026-09-23.
11. [Expert Executive and Professional Liability Insurance](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Our policies include D&O, E&O, EPL, commercial crime/fidelity, network security privacy risk/cyber, fiduciary, media liability, IP, architects and engineers, lawyers professional, and kidnap and ransom. Accessed 2026-09-23.

### Kidnap and Ransom Insurance Guide

12. [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.
13. [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.
14. [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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