HUB International vs 
Relm Insurance: How Do They Compare for Kidnap and Ransom Insurance?
HUB International brokers K&R for organizations with traveling executives and key staff; Relm Insurance targets its K&R product to digital-asset and cannabis exposures.
Relm built its kidnap and ransom product for crypto and cannabis businesses, with virtual-kidnap cover, a 24/7 security operations center and a 10% risk-mitigation allowance. HUB is a broker that places K&R for any company whose executives or staff travel, with attorney-staffed claims support. 3,1,2
What Are the Key Differences Between HUB International and Relm Insurance Kidnap and Ransom Insurance?
Crypto and Cannabis Specialist vs a General Broker
Relm designed its own K&R product for individuals and organizations in digital assets and cannabis, citing crypto leaders being doxxed and cannabis operators holding large amounts of cash. HUB brokers K&R, standalone or within its ProEx executive-liability practice, for organizations whose executives travel, employees work abroad or at home, and key staff and their families. Choose Relm if you're in crypto or cannabis; choose HUB for any other company that wants a broker to shop the line. 1 2 3
Detailed Cover and Response at Relm vs Attorney Support at HUB
Relm lists kidnap, extortion, threats, disappearance, express or virtual kidnap, malicious detention, hijack, hostage crises and evacuation, plus a 24/7 operations center with security directors in eight countries and a 10% Risk Mitigation Allowance. HUB lists no insuring agreements on its page; instead it offers ProEx analytics, litigation support and an attorney-staffed claims group. 1 2 3
What Should You Confirm in HUB International and Relm Insurance Kidnap and Ransom Insurance Quotes?
- Ask Relm which insurer issues the policy and which partner runs the operations center; ask HUB which insurer it would place with. 3 2
- Check that Relm's 10% allowance and virtual-kidnap wording appear on your quote, and whether HUB's attorney claims group covers K&R. 3 2
- Relm hasn't described an online quote; ask how you apply. 3 1
- Ask both for limits; neither publishes them. 1 3
HUB International vs Relm Insurance Kidnap and Ransom Compared
HUB International vs Relm Insurance: Kidnap and Ransom Insurance: documented features by provider
| Criteria | HUB International Kidnap and Ransom Insurance Brokerage | Relm Kidnap and Ransom (K&R) Insurance |
|---|---|---|
| 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. | 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. 3Company-reported. Launch announcement 'Addressing a New Class of Risk' section; not a guarantee of eligibility for a particular individual or organization. |
| 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. | 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. 3Company-reported. Launch announcement coverage list; the issued policy and declarations control. |
| 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. | 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. 3Company-reported. Company launch announcement; not a statement identifying the specific issuing insurer for a K&R placement. |
| 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. | 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. 3Company-reported. Launch announcement crisis-response description; provided through the named third-party security partner, not Relm directly. 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. 3Company-reported. Launch announcement 'Ensuring Pre-incident Readiness' section. |
