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Kidnap and Ransom Insurance in Kentucky

A Kentucky exempt commercial purchaser may waive the admitted-market diligence step only after the required disclosure and later written request; the purchaser must also meet the statutory ECP criteria. The issued surplus-lines contract must carry a conspicuous notice that the insurer is not a Kentucky Insurance Guaranty Association member. 1,4,2

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 Kentucky

  • Confirm the Named Insured Meets the ECP Test

    Kentucky’s ECP definition requires a qualified risk manager, more than $100,000 in aggregate nationwide commercial P&C premiums in the prior 12 months, and at least one listed size or organization criterion. The broker must also disclose the admitted-market tradeoff and receive a later written request; ask which insured qualifies and keep both records. 4,1

  • Verify the Insurer’s Kentucky Eligibility

    Kentucky requires a surplus-lines carrier to meet statutory eligibility conditions, including authority in its home jurisdiction and minimum capital and surplus; a non-U.S.-domiciled insurer must use the specified NAIC alien-list route. Ask for the issuing insurer’s legal name and which eligibility route supports this K&R placement. 3

  • Expect the Kentucky Guaranty-Fund Notice

    Kentucky requires a conspicuous face-page stamp that a surplus-lines insurer is not a member of the Kentucky Insurance Guaranty Association and association protection is unavailable if it becomes insolvent. Treat this as an insolvency limitation, not a K&R coverage interpretation. 2

Who Regulates Insurance in Kentucky

Kentucky Department of Insurance

The Kentucky Department of Insurance licenses agents and insurers, monitors the insurance market, and accepts complaints about insurance companies and agents. You can use its state lookup or complaint service to check a license or raise an insurance issue. 5,6,7

Surplus-lines tax and stamping office

Reported tax rate: 3% on Kentucky-home-state premiums and other premium consideration; separate 1.8% surcharge on eligible risks located in Kentucky, subject to statutory exceptions; applicable local-government premium tax may also apply When Kentucky is the insured's home state, the state tax is 3% of premium and other consideration treated as premium; local-government premium taxes may also apply. A separate 1.8% surcharge generally applies to Kentucky risks, but state law exempts multistate nonadmitted risks and specified government and nonprofit premiums. The broker must make a diligent effort to place coverage with an admitted carrier before using surplus lines. 8,11,9,10,12

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 Kentucky. 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. 15

Questions to Ask Before You Buy in Kentucky

  1. Which named insured meets Kentucky’s ECP definition, and can you provide the admitted-market disclosure and later written request?
  2. What is the issuing insurer’s legal name, and which Kentucky eligibility route applies?
  3. Will the issued policy carry Kentucky’s guaranty-association notice on its face page?
  4. Which employees, relatives, destinations, events, and response costs are covered by the actual K&R wording?

Kidnap And Ransom in Kentucky: FAQ

Can any Kentucky business waive the admitted-market search for K&R? 1,4

No. The purchaser must meet Kentucky’s statutory ECP criteria, and the broker must make the admitted-market disclosure and receive a later written placement request. 1,4

Does the Kentucky Insurance Guaranty Association protect surplus-lines K&R? 2

No. Kentucky requires the policy to state that a surplus-lines insurer is not a member and association protection is unavailable if it becomes insolvent. 2

Kidnap And Ransom in Other States

Other Coverage in Kentucky

Sources

  1. KRS 304.10-040, Conditions for Export—Exceptions Relating to Diligent Effort. Kentucky Legislative Research Commission; Subsection (1)(b) diligent effort; subsection (2) ECP exception and written conditions; effective July 14, 2018. Accessed 2026-09-28.
  2. KRS 304.10-090, Indorsement of Contract. Kentucky Legislative Research Commission; Mandatory face-page notice excluding Kentucky Insurance Guaranty Association protection. Accessed 2026-09-28.
  3. KRS 304.10-070, Eligible Surplus Lines Insurers. Kentucky Legislative Research Commission; Subsection (1): home-jurisdiction authority, minimum capital/surplus, alien-list route. Accessed 2026-09-28.
  4. KRS 304.10-030, Definitions for Subtitle 10. Kentucky Legislative Research Commission; Subsection (4): exempt commercial purchaser definition, premium threshold, qualified risk manager and one listed criterion. Accessed 2026-09-28.
  5. Kentucky Department of Insurance. Kentucky Department of Insurance; Homepage and consumer telephone. Accessed 2026-09-28.
  6. Insurance License Lookup. Kentucky Department of Insurance; State-designated producer/company search. Accessed 2026-09-28.
  7. File an Insurance Complaint. Kentucky Department of Insurance; Official DOI consumer complaint page accepts complaints involving general liability and disputes with insurers, agents or adjusters. Accessed 2026-09-28.
  8. KRS 304.10-180. Kentucky General Assembly; KRS 304.10-180(1): Kentucky-home-state; 3% applies to premiums, assessments, fees, charges or other premium consideration; local premium tax is separate. Accessed 2026-09-28.
  9. Local Government Premium Taxes. Kentucky Department of Insurance; Current local tax schedules. Accessed 2026-09-28.
  10. KRS 304.10-090. Kentucky General Assembly; KRS 304.10-090 requires policy notice that nonadmitted insurer is not a Kentucky Insurance Guaranty Association member and its benefits are unavailable upon insolvency. Accessed 2026-09-28.
  11. KRS 136.392. Kentucky General Assembly; KRS 136.392(1),(5)-(6): $1.80 per $100 on premium/other charges for Kentucky risks; named government/nonprofit exceptions; multistate nonadmitted risks exempt. Accessed 2026-09-28.
  12. Surplus Lines. Kentucky Department of Insurance; Full page states licensed surplus-lines brokers must make a diligent effort to place with an admitted carrier before exporting coverage. Accessed 2026-09-28.
  13. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  14. 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.
  15. 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.
  16. 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.
  17. 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.
  18. 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.
  19. 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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