---
title: "HUB International vs Relm Insurance: Kidnap and Ransom Insurance"
description: "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."
canonical: "https://spot.insure/compare/hub-international-vs-relm/kidnap-ransom"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hub-international-vs-relm"
provider-a: "hub-international"
provider-b: "relm"
coverage-line: "kidnap-ransom"
---

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

## Agent Guide

**What this page is:** Focused comparison of HUB International and Relm Insurance for Kidnap and Ransom Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Kidnap and Ransom Insurance questions about HUB International versus Relm Insurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- HUB International vs Relm Insurance for Kidnap and Ransom Insurance: how do they differ?
- Which is better for Kidnap and Ransom Insurance, HUB International or Relm Insurance?
- What does HUB International or Relm Insurance publish about Kidnap and Ransom Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Kidnap and Ransom Insurance. Providers: HUB International and Relm Insurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [HUB International vs Relm Insurance](https://spot.insure/compare/hub-international-vs-relm) — all coverage lines for this pair
- [Kidnap and Ransom Insurance guide](https://spot.insure/coverage/kidnap-ransom) — how this coverage works
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile
- [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile

# 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 a kidnap and ransom product for crypto and cannabis businesses with 24/7 security response and a 10% risk-mitigation allowance; HUB brokers K&R for companies whose executives and staff travel.

## HUB International vs Relm Insurance Kidnap and Ransom Insurance Summary

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](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats") [1](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## 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](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [3](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats")

### 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](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [3](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats")

## 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](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- 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](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- Relm hasn't described an online quote; ask how you apply. [3](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats") [1](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers")
- Ask both for limits; neither publishes them. [1](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [3](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats")

## HUB International vs Relm Insurance Kidnap and Ransom Compared

| 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. [1](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..) | 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. [3](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats") (Evidence: Company-reported; scope: 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. [1](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 us..)<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. [1](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [2](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..) | 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. [3](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [2](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..) | 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. [3](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats") (Evidence: Company-reported; scope: 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. [2](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..) | 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. [3](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats") (Evidence: Company-reported; scope: Launch announcement crisis-response description; provided through the named third-party security partner, not Relm directly..)<br><br>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. [3](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/ "Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats") (Evidence: Company-reported; scope: Launch announcement 'Ensuring Pre-incident Readiness' section..) |

## About HUB International and Relm Insurance and Kidnap and Ransom

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [Relm Insurance company profile](https://spot.insure/insurance-providers/relm) · [Relm Insurance customer reviews](https://spot.insure/insurance-providers/relm/reviews)
- [What Is Kidnap and Ransom Insurance?](https://spot.insure/coverage/kidnap-ransom)

## Related Pages for HUB International vs Relm Insurance

- [HUB International vs Relm Insurance](https://spot.insure/compare/hub-international-vs-relm): all coverage lines, business roles, service and claims.
- [What Is Kidnap and Ransom Insurance?](https://spot.insure/coverage/kidnap-ransom): Kidnap and ransom insurance provides financial protection for specified kidnapping and extortion events and access to crisis-response experts; check fit with your travel destinations.
- [HUB International Kidnap and Ransom Insurance](https://spot.insure/insurance-providers/hub-international/kidnap-ransom)
- [Relm Insurance Kidnap and Ransom Insurance](https://spot.insure/insurance-providers/relm/kidnap-ransom)

## Sources for HUB International vs Relm Insurance

### Sources About HUB International

1. [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.
2. [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.

### Sources About Relm Insurance

3. [Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Execs Amid Surge in Physical Threats](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/). Relm Insurance; Launch announcement; Powered by Proven Security Response Capabilities; Comprehensive Protection with Immediate Response; Ensuring Pre-incident Readiness With a 10% Risk Mitigation Allowance; Addressing a New Class of Risk. Accessed 2026-09-23.

Updated 2026-09-25. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hub-international-vs-relm/kidnap-ransom.md)
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