--- title: "Marsh vs Travelers Kidnap and Ransom Insurance" description: "Marsh places K&R with consultant fees and blanket insureds; Travelers offers the line in Global Companion Plus+ for technology and life sciences." canonical: "https://spot.insure/compare/marsh-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/marsh-vs-travelers/kidnap-ransom) # Marsh vs Travelers Kidnap and Ransom Insurance Marsh places K&R with consultant fees and blanket insureds; Travelers offers the line in Global Companion Plus+ for technology and life sciences. ## Research Scope and Use Use this comparison to evaluate Marsh 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 Marsh’s K&R practice describes kidnap through political evacuation and active shooter, unlimited response-consultant fees, and automatic guest and contractor insureds. Travelers offers kidnap and ransom inside Global Companion Plus+ for U.S. technology and life-sciences companies, typically covering ransom payments, ransom in transit and kidnapping expenses. [5](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom") [10](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [11](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") ## 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. [1](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [2](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [3](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [4](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [Marsh profile](https://spot.insure/insurance-providers/marsh) ## 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. [7](https://www.travelers.com/business-insurance/technology "Technology Insurance") [8](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [9](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. [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 ### Broker Placement Versus Travelers Products Marsh’s risk-management practice places kidnap and ransom insurance and pairs it with crisis-response services; MMA also lists the line within executive and professional liability. Travelers offers kidnap and ransom as one line within Global Companion Plus+ for technology and life-sciences companies with international exposure, and also lists it as a standalone product on its Management & Professional Liability catalogue page. You buy Travelers through an independent agent or Travelers representative. [5](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom") [6](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") [10](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [11](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") ### What Each Coverage Description Pays For 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. 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. Ask each quote which of those items are on the form. [5](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom") [11](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") ### Who It Is For Marsh targets 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. Travelers aims Global Companion Plus+ at U.S.-based technology and life-sciences companies with employees who travel internationally or operations abroad, and notes the U.S. version of the package is non-admitted. [5](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom") [10](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") Marsh says companies typically insure all directors, officers, employees and their families under one blanket policy, and that guests, customers, contractors and consultants are included automatically under the company’s duty of care. Travelers’ reviewed offering describes typical ransom, in-transit and kidnapping-expense payments, and aims Global Companion Plus+ at U.S. technology and life-sciences companies with international staff or operations. [5](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom") [11](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [10](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") ### Attached Services Marsh says K&R policies provide immediate, guaranteed access to experienced response consultants who assist with negotiations and safe releases, working discreetly alongside law enforcement. Travelers says Global Companion Plus+ policyholders get access to its International Network of Insurance, local carriers in over 150 countries, plus global executive support services offering medical, personal and travel assistance for employees overseas. Compare consultant access on a Marsh placement with network and travel-assistance terms on a Travelers Global Companion Plus+ quote. [5](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom") [10](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") ## What to Confirm in Kidnap and Ransom Insurance Quotes - Ask whether Travelers is quoting Global Companion Plus+ or a standalone catalogue product, and which market Marsh uses. [10](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [5](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom") - Confirm admitted status on Travelers’ U.S. Global Companion Plus+ package and unlimited consultant-fee wording on Marsh’s placement. [10](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [5](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom") - Check automatic guest, customer, contractor and consultant insureds on Marsh’s description and ransom-in-transit wording on Travelers’ description. [5](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom") [11](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") - Get Travelers’ network and executive-assistance terms. Travelers’ reviewed pages do not publish limits, retentions or premiums for this line. [10](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [11](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") ## Offering Details | Criteria | Marsh Kidnap & Ransom Insurance Brokerage | Travelers Kidnap & Ransom Insurance (Global Companion Plus+) | | --- | --- | --- | | Role in This Line | 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. [5](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom") [6](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..) | 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. [10](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [11](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 reviewed page does not name a specific K&R insurer. [5](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..) | Not described in the reviewed sources. | | Who It’s For | 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. [5](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..) | 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. [10](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 | 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. [5](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..)

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. [5](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..) | 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. [11](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 | Not described in the reviewed sources. | Neither reviewed page publishes limits, retentions or premiums for kidnap and ransom coverage; amounts would appear on a quote. [10](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [11](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 | 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. [5](https://www.marsh.com/en/services/kidnap-ransom-risk-management.html "Kidnap & Ransom") (Evidence: Company-reported; scope: Kidnap and ransom page..) | 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. [10](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 | Not described in the reviewed sources. | Kidnap and ransom coverage is bought through a Travelers independent agent or Travelers representative. [10](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 - [Marsh vs Travelers](https://spot.insure/compare/marsh-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. - [Marsh vs Travelers Commercial Property Insurance](https://spot.insure/compare/marsh-vs-travelers/commercial-property) - [Marsh vs Travelers Crime Insurance](https://spot.insure/compare/marsh-vs-travelers/crime) - [Marsh vs Travelers Cyber Insurance](https://spot.insure/compare/marsh-vs-travelers/cyber) - [Marsh vs Travelers D&O Insurance](https://spot.insure/compare/marsh-vs-travelers/directors-officers) - [Marsh vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/marsh-vs-travelers/employment-practices) - [Marsh vs Travelers Equipment Breakdown Insurance](https://spot.insure/compare/marsh-vs-travelers/equipment-breakdown) - [Marsh vs Travelers Fidelity Bonds](https://spot.insure/compare/marsh-vs-travelers/fidelity-bonds) - [Marsh vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/marsh-vs-travelers/fiduciary) - [Marsh vs Travelers Management Liability Insurance](https://spot.insure/compare/marsh-vs-travelers/management-liability) - [Marsh vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-vs-travelers/professional-errors-omissions) - [Marsh vs Travelers Surety Bonds](https://spot.insure/compare/marsh-vs-travelers/surety-bonds) - [Marsh vs Travelers Tech E&O Insurance](https://spot.insure/compare/marsh-vs-travelers/technology-errors-omissions) - [Marsh vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/marsh-vs-travelers/workers-compensation) - [CFC vs Marsh Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-marsh/kidnap-ransom) - [CFC vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-travelers/kidnap-ransom) - [Chubb vs Marsh Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-marsh/kidnap-ransom) - [Chubb vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-travelers/kidnap-ransom) - [Coverdash vs Marsh Kidnap and Ransom Insurance](https://spot.insure/compare/coverdash-vs-marsh/kidnap-ransom) - [Coverdash vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/coverdash-vs-travelers/kidnap-ransom) ## Sources ### Marsh 1. [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. 2. [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. 3. [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. 4. [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. 5. [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. 6. [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. ### Travelers 7. [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. 8. [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. 9. [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. 10. [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. 11. [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 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/marsh-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)