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Kidnap and Ransom Insurance in Florida

For a Florida-home-state placement, Florida requires a signed or otherwise documented insured acknowledgment that surplus-lines coverage may be available admitted, is not protected by the Florida Insurance Guaranty Act, and has rates and forms not approved by a Florida regulator. A unique K&R policy form is allowed only under the statute’s filing and disapproval process. 1,2,4

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 Florida

  • Keep Florida’s Required Surplus-Lines Acknowledgment

    Before export, Florida requires your signed or documented acknowledgment that admitted coverage may be available, the Florida guaranty act does not cover the surplus-lines insurer’s insolvency, and rates and forms are not regulator-approved. Ask for the disclosure and keep it with your K&R policy records. 1

  • Ask About a Bespoke K&R Form

    Florida generally limits an exported form to one no more favorable to the insured than similar forms in current use by most authorized insurers. A unique form designed for a particular subject must be filed, and the Office may disapprove it within 10 days of filing, excluding Saturdays, Sundays, and legal holidays, on the statutory grounds; ask whether this quote uses that route and whether the form cleared it. 2

  • Request the Complete Policy Within the Statutory Window

    After placement, Florida requires prompt evidence of insurance and delivery of the policy or cover note within 60 days. For K&R, request the complete wording and endorsements promptly so you can check the covered individuals, response consent, territorial scope, and ransom reimbursement terms. 3

Who Regulates Insurance in Florida

Florida Office of Insurance Regulation

The Florida Office of Insurance Regulation licenses and regulates insurance companies and reviews rates and forms. The Department of Financial Services separately licenses insurance agents and handles consumer insurance complaints; its resource page links to both state license searches. 5,6,7

Surplus-lines tax and stamping office

Reported tax rate: 4.94% of gross premium plus a 0.03% FSLSO service fee for policies effective July 1, 2026 or later When Florida is the insured’s home state, Florida taxes the entire gross premium at 4.94%; the premium definition includes policy and similar insurance charges. The separate FSLSO service fee is 0.03% for policies effective July 1, 2026 or later. Surplus-lines policies do not receive Florida Insurance Guaranty Association protection. 8,9,10

Florida Surplus Lines Service Office

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 Florida. 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. 13

Questions to Ask Before You Buy in Florida

  1. Where is my signed or documented Florida disclosure that the surplus-lines policy has no Florida guaranty protection and unapproved rates and forms?
  2. Does this K&R quote use a unique policy form, and if so, when was it filed with Florida OIR?
  3. When will I receive the complete policy and endorsements after the binder?
  4. Which exact terms control who is insured, what triggers a response, which expenses require consent, and where coverage applies?

Kidnap And Ransom in Florida: FAQ

What Florida notice must a K&R surplus-lines buyer acknowledge? 1

The insured must sign or otherwise document acknowledgment that coverage may be available admitted, no Florida Insurance Guaranty Act protection applies to the surplus-lines insurer’s insolvency, and policy rates and forms are not Florida-regulator approved. 1

Can a Florida surplus-lines K&R policy use a unique form? 2

Yes, for a form designed for a particular subject, but the surplus-lines agent must file it with the Office of Insurance Regulation. The Office may disapprove it within 10 days of filing, excluding Saturdays, Sundays, and legal holidays, on the grounds stated in §626.916(1)(b). 2

Kidnap And Ransom in Other States

Other Coverage in Florida

Sources

  1. 2026 Florida Statutes §626.916: Eligibility for Export. Florida Senate; §626.916(1)(d): signed or documented insured acknowledgment, guaranty-fund and rate/form disclosure. Accessed 2026-09-28.
  2. 2026 Florida Statutes §626.916: Eligibility for Export. Florida Senate; §626.916(1)(b): unique form for particular subject must be filed; Office disapproval within 10 days excluding weekends/holidays on statutory grounds. Accessed 2026-09-28.
  3. 2026 Florida Statutes §626.922: Evidence of Insurance. Florida Senate; §626.922(1), (4): prompt interim evidence and policy/confirmation delivery within 60 days after effectuation. Accessed 2026-09-28.
  4. 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.
  5. Florida Office of Insurance Regulation. Florida Office of Insurance Regulation; Official regulator homepage; insurer regulation. Accessed 2026-09-28.
  6. Resources. Florida Office of the Insurance Consumer Advocate; State page links to DFS agent search and OIR active company search. Accessed 2026-09-28.
  7. Get Insurance Help. Florida Department of Financial Services; Insurance concern and formal complaint intake; consumer helpline. Accessed 2026-09-28.
  8. Florida Statutes § 626.932: Surplus lines tax. Florida Legislature; 4.94% tax on gross premium; home-state taxation; statutory definition of premium. Accessed 2026-09-28.
  9. FSLSO Bulletin 2026-02. Florida Surplus Lines Service Office; Service-fee rate effective July 1, 2026: 0.03%. 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. 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.
  16. 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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