--- title: "HUB International vs Travelers Kidnap and Ransom Insurance" description: "HUB brokers K&R through ProEx; Travelers writes the line in Global Companion Plus+ for technology and life-sciences companies." canonical: "https://spot.insure/compare/hub-international-vs-travelers/kidnap-ransom" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/hub-international-vs-travelers/kidnap-ransom) # HUB International vs Travelers Kidnap and Ransom Insurance HUB brokers K&R through ProEx; Travelers writes the line in Global Companion Plus+ for technology and life-sciences companies. ## Research Scope and Use Use this comparison to evaluate HUB International and Travelers 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 standalone and through ProEx, with attorney claims support. Travelers offers kidnap and ransom inside Global Companion Plus+ for U.S. technology and life-sciences companies with international exposure, and as a standalone catalogue product with a 150-country insurance network. [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") [9](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [10](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") ## 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 Travelers Insurance? Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. [6](https://www.travelers.com/business-insurance/technology "Technology Insurance") [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [8](https://www.travelers.com/contact-us "Contact Us") [Travelers profile](https://spot.insure/insurance-providers/travelers) ## 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. [11](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/kidnap-ransom "Kidnap and Ransom Applications and Forms") [12](https://www.chubb.com/us-en/business-insurance/the-chubb-primary-kidnap-ransom-extortion-insurance.html "The Chubb Primary Kidnap Ransom and Extortion Insurance") [13](https://asset.trvstatic.com/download/assets/ker-16001.pdf/fec9c08a63ca11eea3d58e94a50adee5 "Kidnap and Ransom Coverage") ## Key Differences in Kidnap and Ransom Insurance ### Placement Versus Travelers Paper HUB brokers kidnap and ransom and does not underwrite it. Travelers offers the line inside Global Companion Plus+ and as a standalone item on its Management & Professional Liability catalogue. HUB asks you to connect with a broker; Travelers is bought through an independent agent or Travelers representative. HUB’s reviewed pages do not name an issuing insurer; Travelers’ reviewed pages also do not name a specific issuing company for this line. [4](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [9](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [10](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") ### Industry Targeting HUB markets K&R to organizations with traveling executives, employees working abroad or domestically, and other key personnel plus families, without naming an industry. Travelers aims Global Companion Plus+ at U.S.-based technology and life-sciences companies with international staff or operations, and notes the U.S. package is non-admitted. [4](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [9](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") ### Coverage Notes and Attached Services Travelers says kidnap and ransom typically pays kidnappers or extortionists, covers loss of ransom in transit, and reimburses other kidnapping expenses. HUB’s product page does not list those agreements; it cites incident statistics and related D&O, business interruption and cyber links, and ProEx analytics, litigation support and a Claims & Legal Risks Group of attorneys. Travelers attaches an International Network of Insurance in over 150 countries and global executive medical, personal and travel assistance. Neither reviewed set of pages publishes limits. [10](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [9](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [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") ## What to Confirm in Kidnap and Ransom Insurance Quotes - Ask whether Travelers is quoting Global Companion Plus+ or a standalone form, and whether HUB is placing ProEx or a standalone K&R policy. [9](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - Confirm admitted versus non-admitted status on Travelers’ U.S. package; HUB’s pages do not address admitted status. [9](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [4](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") - Compare HUB’s attorney claims group with Travelers’ international network and executive-assistance services. [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [9](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") - Get ransom-in-transit wording, issuing paper and dollar limits on both quotes. [10](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [4](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") ## Offering Details | Criteria | HUB International Kidnap and Ransom Insurance Brokerage | Travelers Kidnap & Ransom Insurance (Global Companion Plus+) | | --- | --- | --- | | 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..) | Travelers offers kidnap and ransom coverage as one line within its Global Companion Plus+ package for technology and life-sciences companies with international exposure, and also lists it as a standalone product on its Management & Professional Liability catalogue page. [9](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [10](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") (Evidence: Company-reported; scope: Global Companion Plus+ "Robust suite of insurance coverages" section and Management & Professional Liability product list..) | | 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..) | Not described in the reviewed sources. | | 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..) | As part of Global Companion Plus+, kidnap and ransom coverage is aimed at U.S.-based technology and life-sciences companies with employees who travel internationally or operations abroad; the U.S. version of the package is non-admitted, meaning it is not equivalent to a locally admitted policy in every country. [9](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Global Companion Plus+ page "Who is Global Companion Plus+ right for?" and "Coordinated domestic policy gap coverage" sections..) | | 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..)

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..) | Travelers says kidnap and ransom coverage typically pays kidnappers or extortionists, covers loss of ransom in transit, and reimburses other expenses incurred as a result of a kidnapping. [10](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") (Evidence: Company-reported; scope: Management & Professional Liability Insurance page, kidnap and ransom entry; exact terms and exclusions are set by the issued policy..) | | 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..) | Neither reviewed page publishes limits, retentions or premiums for kidnap and ransom coverage; amounts would appear on a quote. [9](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [10](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") (Evidence: Not found in reviewed sources; scope: Global Companion Plus+ and Management & Professional Liability pages as read on 2026-09-23..) | | 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..) | Travelers says Global Companion Plus+ policyholders get access to its International Network of Insurance, a network of local carriers in over 150 countries, plus global executive support services offering medical, personal and travel assistance for employees traveling overseas. [9](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Global Companion Plus+ page "Extensive international network of partners" and "Global executive support services" sections..) | | 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..) | Kidnap and ransom coverage is bought through a Travelers independent agent or Travelers representative. [9](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Global Companion Plus+ page "Consult your insurance agent today" section..) | ## Full Comparison - [HUB International vs Travelers](https://spot.insure/compare/hub-international-vs-travelers): 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 Travelers Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-travelers/business-owners-policy) - [HUB International vs Travelers Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-travelers/cargo-transit) - [HUB International vs Travelers Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-travelers/commercial-auto) - [HUB International vs Travelers Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-travelers/commercial-property) - [HUB International vs Travelers Crime Insurance](https://spot.insure/compare/hub-international-vs-travelers/crime) - [HUB International vs Travelers Cyber Insurance](https://spot.insure/compare/hub-international-vs-travelers/cyber) - [HUB International vs Travelers D&O Insurance](https://spot.insure/compare/hub-international-vs-travelers/directors-officers) - [HUB International vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/employment-practices) - [HUB International vs Travelers Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-travelers/equipment-breakdown) - [HUB International vs Travelers Fidelity Bonds](https://spot.insure/compare/hub-international-vs-travelers/fidelity-bonds) - [HUB International vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/fiduciary) - [HUB International vs Travelers General Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/general-liability) - [HUB International vs Travelers Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-travelers/inland-marine) - [HUB International vs Travelers Management Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/management-liability) - [HUB International vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-travelers/professional-errors-omissions) - [HUB International vs Travelers Surety Bonds](https://spot.insure/compare/hub-international-vs-travelers/surety-bonds) - [HUB International vs Travelers Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-travelers/technology-errors-omissions) - [HUB International vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/umbrella-excess) - [HUB International vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-travelers/workers-compensation) - [CFC vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-hub-international/kidnap-ransom) - [CFC vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-travelers/kidnap-ransom) - [Chubb vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-hub-international/kidnap-ransom) - [Chubb vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-travelers/kidnap-ransom) - [Coverdash vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/coverdash-vs-hub-international/kidnap-ransom) - [Coverdash vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/coverdash-vs-travelers/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. ### Travelers 6. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16. 7. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16. 8. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16. 9. [Global Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/global/technology-companion). Travelers; "Robust suite of insurance coverages" — general liability, property, auto, foreign voluntary workers compensation, employers liability, accidental death and dismemberment, and kidnap and ransom; U.S. Global Companion Plus+ is non-admitted. Accessed 2026-09-23. 10. [Management and Professional Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance). Travelers; "Select a product" list: Kidnap & ransom insurance — "typically covers payments to kidnappers or extortionists, loss of ransom in transit and other expenses incurred as a result of a kidnapping". Accessed 2026-09-23. ### Kidnap and Ransom Insurance Guide 11. [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. 12. [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. 13. [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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-travelers/kidnap-ransom.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)