What Kidnap and Ransom Insurance Requirements Apply in Arkansas?

For an Arkansas-home-state insured, Arkansas requires a diligent admitted-market effort, and a known admitted renewal offer can prevent a surplus-lines renewal unless the offer meets the state’s 20% premium comparison. The state also separates eligible foreign, NAIC-listed alien, and domestic surplus-lines insurers, so verify the named carrier’s category before binding.

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. Read the national Kidnap and ransom guide.

What to Watch for With Kidnap and Ransom in Arkansas

Compare an Admitted Renewal Offer Before Replacing Coverage
Arkansas Rule 24 says a known admitted renewal offer can block surplus-lines renewal unless the admitted offer is at least 20% higher than the surplus-lines total premium and charges. Before replacing a K&R policy, ask the broker to show the comparable coverages and the calculation; a premium difference alone does not prove equivalent response terms. ¹
Place Any Available Admitted Portion First
Rule 24 says that when part of a risk can be written by an admitted insurer, that part must be placed there and only the balance may go surplus lines. Ask whether the K&R quote separates admitted capacity from any remaining nonadmitted limit or coverage component. ¹
Check the Arkansas Carrier Category
Arkansas’s Department lists three routes: eligible foreign insurers, alien insurers on the NAIC quarterly list, and domestic surplus-lines insurers with at least $20 million in policyholder surplus. Ask which route and exact legal entity support your quote; a general company search result does not establish K&R availability. ²
Read the Arkansas Contract Warning
Arkansas Rule 24 requires the contract to warn that surplus-lines wording may be more or less favorable than admitted coverage and that the Arkansas Property and Casualty Guaranty Act does not apply. Ask for the complete K&R form and compare its response-consent, covered-person, territory, and reimbursement terms. ¹

Which Kidnap and Ransom Providers Have Arkansas License Records?

These providers publish a national listing for Kidnap and ransom; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Arkansas. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
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. ¹³
Corgi lists kidnap and ransom among its specialized business-insurance offerings.

Who Regulates Insurance in Arkansas?

Arkansas Insurance Department

The Arkansas Insurance Department licenses resident and nonresident producers and business entities, accepts insurance complaints, and provides links to company and producer license searches. It operates as a division of the Arkansas Department of Commerce. ^4,^5,^9,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (800) 852-5494

Surplus-Lines Tax and Stamping Office in Arkansas

Reported tax rate. 4% when Arkansas is the insured's home state ^7,^8,¹⁰

Arkansas's broker filing instructions set a 4% surplus-lines tax. Federal law assigns nonadmitted-insurance regulation and tax to the insured’s home state; for a multistate policy, ask your broker to show the home state and the premium allocation used for the Arkansas filing. Arkansas law requires the contract to disclose that the state's property-and-casualty guaranty protection does not apply.

Questions to Ask Before You Buy Kidnap and Ransom in Arkansas

Was an admitted insurer willing to renew any portion of our K&R coverage, and how did you apply Arkansas Rule 24’s 20% comparison?
Which Arkansas insurer-eligibility category does the proposed carrier use, and what is the exact legal entity on the policy?
If only part of our limit or coverage can be placed with an admitted insurer, which portion will remain nonadmitted?
How do the quote and issued form treat crisis-response consent, ransom reimbursements, covered people, and travel destinations?

Kidnap and Ransom Insurance in Arkansas: Frequently Asked Questions

Can an Arkansas broker renew K&R insurance in surplus lines when an admitted carrier offers renewal?

Only under the conditions in Rule 24. A known admitted offer may be treated as a declination when its gross premium is at least 20% above the surplus-lines total premium and charges; any admitted portion that is available must be placed admitted. ¹

What carrier should Arkansas use for a surplus-lines K&R placement?

The broker must use a carrier eligible under the applicable Arkansas route: eligible foreign, NAIC-listed alien, or qualifying domestic surplus-lines insurer. Ask which category applies to the named insurer. ²

Does Arkansas guaranty protection apply to a surplus-lines K&R policy?

No. Arkansas Rule 24 requires the policy warning that the Property and Casualty Guaranty Act does not apply to surplus-lines coverage. ¹

Sources for Kidnap and Ransom Insurance in Arkansas

1
Rule 24 (23 CAR pt. 201): Surplus Lines Insurance. Arkansas Insurance Department; Section 5(B)–(F): diligent effort, admitted renewal comparison, partial placement. Accessed 2026-09-28.
2
Surplus Lines Insurers. Arkansas Insurance Department; Eligible foreign, alien, and domestic surplus-lines insurer categories; domestic surplus requirement. Accessed 2026-09-28.
3
15 U.S.C. §8202: Regulation by Insured’s Home State. U.S. House, Office of the Law Revision Counsel; Subsections (a), (c): home-state-only regulation and preemption. Accessed 2026-09-28.
4
Arkansas Insurance Department. Arkansas Insurance Department; Official agency homepage. Accessed 2026-09-28.
5
Licensing. Arkansas Insurance Department; Licensing Division guidance and state-based systems lookup for Arkansas agent and agency licensees. Accessed 2026-09-28.
6
File A Complaint. Arkansas Insurance Department; Online complaint filing for insurance providers, including agents and companies. Accessed 2026-09-28.
7
Surplus Lines Brokers Filing. Arkansas Insurance Department; Current broker filing instructions state that 4% broker tax must be remitted. Accessed 2026-09-28.
8
23 CAR § 201-104: Endorsement of contract. Arkansas Code of Rules; Required surplus-lines contract disclosure: no Arkansas P&C Guaranty Act protection and 4% tax collected from insured. Accessed 2026-09-28.
9
Property and Casualty Insurers. Arkansas Insurance Department; Company Search verifies whether an insurer is licensed in Arkansas. Accessed 2026-09-28.
10
15 U.S.C. § 8202: Regulation of nonadmitted insurance by insured's home State. 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.
11
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
12
Licenses and Carriers. 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.
13
Insurance Producer 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.
14
About Hiscox US 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.
15
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.
16
Insurance Licenses by State. 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.
17
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.

What Kidnap and Ransom Insurance Requirements Apply in Arkansas?

What Is Kidnap and Ransom Insurance?

What to Watch for With Kidnap and Ransom in Arkansas

Compare an Admitted Renewal Offer Before Replacing Coverage

Place Any Available Admitted Portion First

Check the Arkansas Carrier Category

Read the Arkansas Contract Warning