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Kidnap and Ransom Insurance in Delaware

Delaware’s April 2026 export order does not list K&R, so a Delaware-home-state buyer should confirm the applicable search or qualifying commercial-purchaser route. Section 1917 requires written notice that state guaranty funds will not pay insolvency losses; domestic surplus-lines insurers are exempt from the unlicensed-carrier notice and policy stamp. For an exempt commercial purchaser, the notice may accompany the first confirmation, certificate, or policy, without a signature. 1,2,3,4

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.

What to Watch for in Delaware

  • Check the Delaware List for K&R Specifically

    The Commissioner’s April 13, 2026 final order adopts an export list that does not name K&R among its listed classes. The order says only listed classes can bypass §1912’s ordinary conditions; ask your broker to document the applicable alternative route for a Delaware-home-state K&R policy. 1,2

  • Use the ECP Exception Only After Both Steps

    Delaware waives the diligent-effort search for an exempt commercial purchaser only if the broker first discloses that admitted insurance may offer greater protection and regulatory oversight and the purchaser later asks in writing for nonadmitted placement. Ask for the disclosure and your written request in the placement file. 3

  • Locate the Guaranty Disclaimer in Your Policy Package

    For a Delaware-home-state placement with a non-domestic surplus-lines insurer, §1917 requires written notice before the contract binds that the insurer is not state-licensed and state guaranty funds will not pay insolvency losses. For an exempt commercial purchaser, the notice may be on the first confirmation, certificate, or policy; no signature is required. The statute separately exempts domestic surplus-lines insurers from the unlicensed-carrier and stamped-policy statements, so ask which carrier category applies. 4

Who Regulates Insurance in Delaware

Delaware Department of Insurance

The Delaware Department of Insurance licenses and regulates insurers and insurance producers, reviews regulated insurance activity, and handles complaints. Its consumer division can help you raise an insurance concern and its services page links to official license searches. 5,6,7

Surplus-lines tax and stamping office

Reported tax rate: 3% of gross premium, less return premium, when Delaware is the home state When Delaware is the insured’s home state, its 3% surplus-lines premium tax applies to the entire premium of a multistate policy, less returned premiums and excluding federal and state taxes and examination fees. Ask the surplus-lines broker to confirm the home-state determination and tax calculation, and separately explain how exposures are allocated in the required reports; those allocations do not reduce the premium subject to Delaware’s tax. 8,9

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 the product is available in Delaware. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’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. 12

Questions to Ask Before You Buy in Delaware

  1. Which Delaware export-list entry covers our K&R risk, or what documented diligent-search route are you using?
  2. If we qualify as an exempt commercial purchaser, where are the admitted-market disclosure and our subsequent written request?
  3. Is the insurer a domestic surplus-lines insurer, and where will the §1917 notice appear in the policy documents we receive?
  4. Can you identify the policy wording for covered persons, crisis-response consent, ransom triggers, and territorial scope?

Kidnap And Ransom in Delaware: FAQ

Is kidnap and ransom coverage named on Delaware’s current export list? 1,2

No. The Commissioner’s April 2026 final order’s attached list does not name K&R among its listed classes. Ask the broker to identify the placement path that applies to your Delaware-home-state policy. 1,2

Can a Delaware exempt commercial purchaser skip the admitted-market search for K&R coverage? 3,4

Yes, if the buyer is purchasing commercial insurance with Delaware as its home state and meets §1914’s exempt-commercial-purchaser definition at placement. The broker must first disclose that admitted insurance may or may not be available and may offer greater protection and regulatory oversight, then the purchaser must request nonadmitted placement in writing. For an ECP, §1917 notice may accompany the first confirmation, certificate, or policy without a signature; domestic surplus-lines insurers are separately exempt from the unlicensed-carrier statement and policy stamp. 3,4

Kidnap And Ransom in Other States

Other Coverage in Delaware

Sources

  1. Surplus Lines Bulletin 24: Final Export List and Docket 5917-2026 Order. Delaware Department of Insurance; April 13, 2026 order, paragraphs 1–2 and Exhibit A, pages 3–6. Accessed 2026-09-28.
  2. Delaware Code, Title 18, Chapter 19, §1912: Conditions for Export. Delaware General Assembly; §1912(a)(1)–(5), eligibility, diligent effort, and limits on exported amount. Accessed 2026-09-28.
  3. Delaware Code §1914: Streamlined Application for Commercial Purchasers. Delaware General Assembly; §1914(a)–(c): disclosure, subsequent written request, ECP conditions. Accessed 2026-09-28.
  4. Delaware Code §1917: Contract Notice and Disclosure. Delaware General Assembly; §1917(a)–(d): written notice, guaranty-fund statement, ECP first-document timing/no-signature provision, domestic-surplus-lines exception. Accessed 2026-09-28.
  5. Delaware Department of Insurance. Delaware Department of Insurance; Official Department homepage and regulatory resources. Accessed 2026-09-28.
  6. Services. Delaware Department of Insurance; Department service directory links to the state insurance licensee search. Accessed 2026-09-28.
  7. Consumer Services. Delaware Department of Insurance; Complaint filing and consumer assistance; publishes Consumer Services phone. Accessed 2026-09-28.
  8. Surplus Lines Bulletin 22. Delaware Department of Insurance; Surplus Lines Bulletin 22 (October 2025; printed day is blank), reproducing 18 Del. C. § 1925: home-state tax treatment, all premium on multistate policy if Delaware is home state, 3% rate, and exclusion of federal/state taxes and examination fees from gross premium. Accessed 2026-09-28.
  9. Delaware Code, Title 18, §§1923–1925. Delaware General Assembly; §1923(a)(1),(12) home-state verification and allocation records; §1924(b)(3)–(6) separate premium reporting; §1925(b)–(c) 3% tax, deductions/exclusions and full multistate premium when Delaware is home state. Accessed 2026-09-28.
  10. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  11. 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.
  12. 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.
  13. 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.
  14. 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.
  15. Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
  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.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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