What Kidnap and Ransom Insurance Requirements Apply in Connecticut?

For a Connecticut-home-state insured, the Department’s currently posted exportable list does not name K&R, so a Connecticut-home-state placement generally needs the applicable diligent-effort route unless a statutory exception fits. Each Connecticut surplus-lines policy issued or renewed must carry a cover notice that it is outside the state guaranty association and Department policy review.

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 Connecticut

Do Not Treat K&R as a Listed Connecticut Export
Connecticut’s Department currently posts 13 exportable-list entries, and K&R is not among them. The Department’s October 2025 bulletin says absent a listed line, diligent effort is presumed when three authorized insurers that customarily write the coverage decline each placement, including renewal; ask the broker what records support this K&R placement. ^1,³
Document the Specific Search Exception Used
Connecticut permits an exempt-commercial-purchaser exception after the broker discloses that admitted coverage may offer greater protection and oversight and the purchaser then requests nonadmitted placement in writing. The Department’s October 2025 Bulletin SL-06 also says the separate exception in Public Act 25-87 applies only when an unaffiliated wholesale broker procures the coverage; ask which route supports this quote. ^2,³
Check the Required Connecticut Cover Notice
Connecticut requires a 12-point bold-capital notice on policies issued or renewed through the surplus-lines statute: no Connecticut Insurance Guaranty Association protection and no Department review. Ask for the full policy, not only a binder, so you can check the actual K&R terms with that notice. ⁴

Which Kidnap and Ransom Providers Have Connecticut 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 Connecticut. 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. ¹⁴
Corgi lists kidnap and ransom among its specialized business-insurance offerings.

Who Regulates Insurance in Connecticut?

Connecticut Insurance Department

The Connecticut Insurance Department licenses insurance producers and companies, oversees insurers and regulated insurance activity, and investigates insurance complaints. Its complaint and license-search services let you raise an issue or check an insurance professional or company. ^6,^7,⁸

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (800) 203-3447

Surplus-Lines Tax and Stamping Office in Connecticut

Reported tax rate. 4% of gross premium when Connecticut is the home state ^9,^10,¹¹

When Connecticut is the insured’s home state, surplus-lines tax is 4% of gross premium; certain state and local government insureds are exempt, and broker or policy fees are not part of the premium-tax base. Connecticut’s required notice says these policies are outside the state guaranty association. Most placements require three declinations or an export-list qualification; an exempt commercial purchaser may qualify for the federal § 8205 search exception after disclosure and a written request.

Questions to Ask Before You Buy Kidnap and Ransom in Connecticut

Is K&R on Connecticut’s current exportable list, or where are the three insurer declinations (or other applicable exception) documented for this placement?
If we are treated as an exempt commercial purchaser, where are the disclosure and our later written request?
If the broker relies on the unaffiliated-wholesaler exception, how does Bulletin SL-06 apply to this transaction?
Will the issued policy include Connecticut’s required cover notice and the full K&R response wording?

Kidnap and Ransom Insurance in Connecticut: Frequently Asked Questions

Is K&R insurance on Connecticut’s current exportable list?

No. The Department’s currently posted list names 13 entries and does not include K&R. Its October 2025 bulletin describes three documented admitted-market declinations as the general diligence presumption for lines outside the list, subject to a limited exception. ^1,³

What warning must appear on a Connecticut surplus-lines policy?

The cover must carry a 12-point bold-capital notice that the policy is not protected by the Connecticut Insurance Guaranty Association and is not subject to Connecticut Insurance Department review. ⁴

Sources for Kidnap and Ransom Insurance in Connecticut

1
Exportable List. Connecticut Insurance Department; Current posted list, entries 1–13, accessed September 28, 2026. Accessed 2026-09-28.
2
Connecticut General Statutes §38a-741. Connecticut General Assembly; Subsections (a)–(b): current list and diligent effort; exempt commercial purchaser exception. Accessed 2026-09-28.
3
Bulletin SL-06: Revised Procedures for Surplus-Lines Placements. Connecticut Insurance Department; October 10, 2025, section A: PA 25-87 diligent-effort exception limited to unaffiliated wholesale-broker placements. Accessed 2026-09-28.
4
Connecticut General Statutes §38a-745. Connecticut General Assembly; Required policy-cover notice for policies issued or renewed on or after January 1, 2015. Accessed 2026-09-28.
5
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.
6
Connecticut Insurance Department. Connecticut Insurance Department; Official Department homepage; mission and department resources. Accessed 2026-09-28.
7
Licensing. Connecticut Insurance Department; Department licensing resource landing page; links to state agent and company license lookup. Accessed 2026-09-28.
8
Ask a Question or File a Complaint. Connecticut Insurance Department; Online complaint form and consumer affairs helpline. Accessed 2026-09-28.
9
FAQs: Surplus Lines Brokers. Connecticut Insurance Department; Current tax rate, tax base and exemptions, diligent-search rules, guaranty-fund notice. Accessed 2026-09-28.
10
FAQs: Surplus Lines Brokers. Connecticut Insurance Department; Question on surplus-lines notice states Connecticut Insurance Guaranty Association does not cover these policies. Accessed 2026-09-28.
11
15 U.S.C. § 8205: Streamlined application for commercial purchasers. 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.
12
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
13
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.
14
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.
15
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.
16
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.
17
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.
18
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 Connecticut?

What Is Kidnap and Ransom Insurance?

What to Watch for With Kidnap and Ransom in Connecticut

Do Not Treat K&R as a Listed Connecticut Export

Document the Specific Search Exception Used

Check the Required Connecticut Cover Notice