--- title: "Kidnap and Ransom Insurance in Arizona" description: "See how Arizona's surplus-lines rules, disclosures, and placement options affect a business buying kidnap and ransom coverage." canonical: "https://spot.insure/coverage/kidnap-ransom/arizona" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- 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, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/kidnap-ransom/arizona) # Kidnap and Ransom Insurance in Arizona Arizona removes the ordinary search condition for an “industrial insured,” but requires the purchaser to certify that status at each new policy and renewal, and at least annually during the term. Arizona law also requires the policy notice to state that surplus-lines insureds or claimants lack guaranty-fund protection.[^1][^3] **Coverage:** [Kidnap and ransom](/coverage/kidnap-ransom) · [Arizona](/coverage/states/arizona) ## What Is Kidnap And Ransom? 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. [Read the national Kidnap and ransom guide](/coverage/kidnap-ransom). ## What to Watch for in Arizona ### Document Industrial-Insured Status Each Year For an Arizona industrial insured, the broker-search condition does not apply, but the purchaser must certify statutory status at inception, each renewal, and at least annually during the policy term. Ask the broker for the director-prescribed certification and do not assume ordinary commercial status qualifies.[^1][^2] ### Check the Correct Arizona Policy Notice Arizona requires a bold notice on the policy and evidence of coverage. It says an unauthorized insurer lacks an Arizona certificate of authority and that no guaranty-fund protection applies; for a domestic surplus-lines insurer the required notice is different. Ask which insurer category is named and confirm the matching notice appears.[^3] ### The Industrial-Insured Route Does Not Approve the K&R Terms Even when the search condition is waived, Arizona law says the contract remains surplus-lines insurance subject to the article’s other applicable provisions. Compare the actual definitions of extortion, covered persons, response expense, territorial limits, and consent conditions in the policy.[^1] ## Who Regulates Insurance in Arizona **Arizona Department of Insurance and Financial Institutions.** Arizona DIFI regulates insurance companies and insurance professionals, including producers and surplus-lines brokers. Its license search covers both individual or business licensees and insurance companies, and its complaint page explains how to file with the Department.[^7][^8][^9] - [Regulator website](https://difi.az.gov/) - [License lookup](https://difi.az.gov/license-search) - [File a complaint](https://difi.az.gov/file-a-complaint) - Phone: (800) 544-2378 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% of gross premium and taxable policy fees, less returns; stamping fee rate not verified When Arizona is the insured’s home state, the tax is 3% of gross premium and taxable policy fees, less returned premium; the statute excludes stamping fees from that tax base. For a multistate risk, Arizona’s share is allocated by exposure under the statute. Arizona's surplus-lines policy notice says these policies do not receive guaranty-fund protection. Current stamping-fee amount was not independently confirmed from readable current evidence and is omitted.[^10][^12][^14][^15] [The Surplus Line Association of Arizona](https://www.sla-az.org/) **Arizona has an exempt-commercial-purchaser search exception:** A surplus-lines broker generally must make diligent effort to place an Arizona risk in the admitted market. For an exempt commercial purchaser, federal law removes that search only after the broker discloses the admitted-market protection difference and the purchaser then asks in writing for nonadmitted coverage.[^11][^13] ## Providers With Documented State Licenses These providers publish a national listing for Kidnap and ransom; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Arizona; [check the regulator’s license lookup](https://difi.az.gov/license-search) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^18] ## Questions to Ask Before You Buy in Arizona 1. Do we meet Arizona’s statutory industrial-insured definition, and when will you obtain the required certification for this policy and renewal? 2. Is the proposed insurer a domestic surplus-lines insurer, and which Arizona insolvency notice belongs on the policy? 3. Which Arizona statutory provisions still apply to this policy despite any industrial-insured search exception? 4. Can you mark the K&R form provisions governing consent, response vendors, ransom triggers, and covered territories? ## Kidnap And Ransom in Arizona: FAQ ### Which search-exception routes should an Arizona K&R buyer ask about? Arizona law waives the diligent-effort condition for coverage the director has declared a recognized surplus line, and separately for an industrial insured that certifies its statutory status at inception, renewal, and at least annually. Federal law also removes a state diligent-search requirement for a qualifying exempt commercial purchaser after the broker gives the required disclosure and the buyer later requests nonadmitted placement in writing. Ask which route supports this Arizona-home-state K&R placement; I did not verify a §20-409 order specifically designating K&R.[^4][^1][^2][^5][^6] ### Does Arizona guaranty-fund protection apply to a surplus-lines K&R policy? No. Arizona requires the policy notice to state that insureds or claimants are not eligible for guaranty-fund protection; it prescribes a separate notice for domestic surplus-lines insurers.[^3] ## Kidnap And Ransom in Other States - [Alabama](/coverage/kidnap-ransom/alabama) - [Alaska](/coverage/kidnap-ransom/alaska) - [Arkansas](/coverage/kidnap-ransom/arkansas) - [California](/coverage/kidnap-ransom/california) - [Colorado](/coverage/kidnap-ransom/colorado) - [Connecticut](/coverage/kidnap-ransom/connecticut) - [Delaware](/coverage/kidnap-ransom/delaware) - [District of Columbia](/coverage/kidnap-ransom/district-of-columbia) - [Florida](/coverage/kidnap-ransom/florida) - [Georgia](/coverage/kidnap-ransom/georgia) - [Hawaii](/coverage/kidnap-ransom/hawaii) - [Idaho](/coverage/kidnap-ransom/idaho) - [Illinois](/coverage/kidnap-ransom/illinois) - [Indiana](/coverage/kidnap-ransom/indiana) - [Iowa](/coverage/kidnap-ransom/iowa) - [Kansas](/coverage/kidnap-ransom/kansas) - [Kentucky](/coverage/kidnap-ransom/kentucky) - [Louisiana](/coverage/kidnap-ransom/louisiana) - [Maine](/coverage/kidnap-ransom/maine) - [Maryland](/coverage/kidnap-ransom/maryland) - [Massachusetts](/coverage/kidnap-ransom/massachusetts) - [Michigan](/coverage/kidnap-ransom/michigan) - [Minnesota](/coverage/kidnap-ransom/minnesota) - [Mississippi](/coverage/kidnap-ransom/mississippi) - [Missouri](/coverage/kidnap-ransom/missouri) - [Montana](/coverage/kidnap-ransom/montana) - [Nebraska](/coverage/kidnap-ransom/nebraska) - [Nevada](/coverage/kidnap-ransom/nevada) - [New Hampshire](/coverage/kidnap-ransom/new-hampshire) - [New Jersey](/coverage/kidnap-ransom/new-jersey) - [New Mexico](/coverage/kidnap-ransom/new-mexico) - [New York](/coverage/kidnap-ransom/new-york) - [North Carolina](/coverage/kidnap-ransom/north-carolina) - [North Dakota](/coverage/kidnap-ransom/north-dakota) - [Ohio](/coverage/kidnap-ransom/ohio) - [Oklahoma](/coverage/kidnap-ransom/oklahoma) - [Oregon](/coverage/kidnap-ransom/oregon) - [Pennsylvania](/coverage/kidnap-ransom/pennsylvania) - [Rhode Island](/coverage/kidnap-ransom/rhode-island) - [South Carolina](/coverage/kidnap-ransom/south-carolina) - [South Dakota](/coverage/kidnap-ransom/south-dakota) - [Tennessee](/coverage/kidnap-ransom/tennessee) - [Texas](/coverage/kidnap-ransom/texas) - [Utah](/coverage/kidnap-ransom/utah) - [Vermont](/coverage/kidnap-ransom/vermont) - [Virginia](/coverage/kidnap-ransom/virginia) - [Washington](/coverage/kidnap-ransom/washington) - [West Virginia](/coverage/kidnap-ransom/west-virginia) - [Wisconsin](/coverage/kidnap-ransom/wisconsin) - [Wyoming](/coverage/kidnap-ransom/wyoming) [Other Coverage in Arizona](/coverage/states/arizona) ## Sources [^1]: [Arizona Revised Statutes §20-407: Surplus Lines; Brokers](https://www.azleg.gov/ars/20/00407.htm) — Arizona State Legislature; Subsections A(2), B: search exception, industrial-insured certification timing, and continuing surplus-lines status. Accessed 2026-09-28. [^2]: [Arizona Revised Statutes §20-401.07: Industrial Insured Definitions](https://www.azleg.gov/ars/20/00401-07.htm) — Arizona State Legislature; Definitions of “industrial insured” and premium-tax rules. Accessed 2026-09-28. [^3]: [Arizona Revised Statutes §20-410: Validity; Disclosure; Fees](https://www.azleg.gov/ars/20/00410.htm) — Arizona State Legislature; Subsections A–B: policy notice and distinct wording for domestic surplus-lines insurer. Accessed 2026-09-28. [^4]: [Arizona Revised Statutes §20-409: Recognized Surplus Lines](https://www.azleg.gov/ars/20/00409.htm) — Arizona Legislature; §20-409(A)–(B): director may designate coverage as recognized surplus lines after a hearing; designation remains subject to modification. Accessed 2026-09-28. [^5]: [15 U.S.C. §8205: Streamlined Application for Commercial Purchasers](https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A8205+edition%3Aprelim%29) — U.S. House, Office of the Law Revision Counsel; §8205(1)–(2): admitted-market disclosure followed by purchaser’s written request. Accessed 2026-09-28. [^6]: [15 U.S.C. §8206: Definitions](https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A8206+edition%3Aprelim%29) — U.S. House, Office of the Law Revision Counsel; §8206(5): exempt-commercial-purchaser definition and qualifying criteria. Accessed 2026-09-28. [^7]: [Arizona Department of Insurance and Financial Institutions](https://difi.az.gov/) — Arizona Department of Insurance and Financial Institutions; Official agency homepage. Accessed 2026-09-28. [^8]: [License Search](https://difi.az.gov/license-search) — Arizona Department of Insurance and Financial Institutions; Search for individual or business licensees and insurance companies; insurer surplus-lines eligibility links. Accessed 2026-09-28. [^9]: [File a Complaint](https://difi.az.gov/file-a-complaint) — Arizona Department of Insurance and Financial Institutions; Department complaint information and filing destinations. Accessed 2026-09-28. [^10]: [A.R.S. § 20-416: Tax on surplus lines](https://www.azleg.gov/ars/20/00416.htm) — Arizona State Legislature; Subsection C sets the surplus-lines tax at 3% of gross premiums and requires the broker to collect it from the insured. Accessed 2026-09-28. [^11]: [License Search](https://difi.az.gov/license-search) — Arizona Department of Insurance and Financial Institutions; Department guidance on surplus-lines eligibility and diligent-effort requirement under A.R.S. § 20-407. Accessed 2026-09-28. [^12]: [Arizona House Bill 2111, Chapter 38](https://www.azleg.gov/legtext/52leg/2r/laws/0038.htm) — Arizona Legislature; Arizona House Bill 2111 (amending § 20-408) and current A.R.S. § 20-410 policy notice; see statutory notice. Accessed 2026-09-28. [^13]: [15 U.S.C. § 8205: Streamlined application for commercial purchasers](https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A8205+edition%3Aprelim%29) — U.S. House of Representatives, Office of the Law Revision Counsel; Broker's due-diligence search exception for an exempt commercial purchaser requires prior disclosure that admitted-market insurance may offer greater protection/regulatory oversight and the purchaser's subsequent written request for nonadmitted placement. Accessed 2026-09-28. [^14]: [A.R.S. § 20-410: Validity, disclosure, policy fees](https://www.azleg.gov/ars/20/00410.htm) — Arizona State Legislature; Subsection B requires surplus-lines notices to state insureds/claimants are ineligible for Arizona guaranty-fund protection for both foreign and domestic surplus-lines insurers; subsection C says taxes under § 20-416 apply to broker service fees. Accessed 2026-09-28. [^15]: [15 U.S.C. § 8202: Regulation of nonadmitted insurance by insured's home State](https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A8202+edition%3Aprelim%29) — U.S. House of Representatives, Office of the Law Revision Counsel; § 8202(a): nonadmitted placement is subject solely to insured's home-State requirements, except as otherwise provided; § 8201 addresses exclusive home-State tax authority. Accessed 2026-09-28. [^16]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^17]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^18]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^19]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^20]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^21]: [About Risklytics](https://www.risklytics.ai/about/) — Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16. [^22]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^23]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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