What Kidnap and Ransom Insurance Requirements Apply in Maryland?

Maryland’s current enumerated no-search coverage list does not name K&R, so a buyer should ask which actual placement route applies. A qualifying exempt commercial purchaser can waive the search only after the disclosure and later written request required by Maryland and federal law.

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 Maryland

K&R Is Not on Maryland’s Enumerated No-Search List
COMAR 31.03.10.02 lists coverages that may be placed without the ordinary search, and K&R does not appear in that current list. Do not assume a listed category or broad policy label waives the K&R search; ask the broker whether the named insured meets the separate ECP route and what evidence supports it. ^3,^1,⁴
The ECP Waiver Requires Disclosure and a Later Request
Maryland and federal law allow an exempt commercial purchaser to forgo the admitted-market search only after disclosure that admitted coverage may offer greater protection and regulatory oversight, followed by the purchaser’s written request. Ask the broker which named insured meets the federal purchaser definition and obtain both records. ^1,⁴
Check the U.S. and Alien Insurer Routes Separately
Maryland says a U.S.-domiciled surplus-lines insurer must apply annually to retain authority; an alien insurer must appear on the NAIC quarterly list. Ask for the insurer’s legal name and the specific route that supports its eligibility; list status does not confirm that its K&R form covers your travelers or response plan. ²

Which Kidnap and Ransom Providers Have Maryland 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 Maryland. 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. ¹²
Corgi lists kidnap and ransom among its specialized business-insurance offerings.

Who Regulates Insurance in Maryland?

Maryland Insurance Administration

The Maryland Insurance Administration licenses producers and insurers, reviews rates and forms, and investigates complaints about insurance companies and producers. You can use its state lookup or complaint service to check a license or raise an insurance issue. ^5,^6,⁷

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-492-6116

Surplus-Lines Tax and Stamping Office in Maryland

Reported tax rate. 3% of gross premiums less returned premiums when Maryland is the insured's home state; excludes risks of Maryland and its political subdivisions ^8,⁹

When Maryland is the insured's home state, the tax is 3% of gross premiums less returned premiums, except insurance of risks of the State or a political subdivision. For policies effective on or after July 21, 2011, Maryland taxes the entire premium and the broker must charge the tax in addition to premium. Maryland's property and casualty guaranty corporation excludes surplus-lines policies.

Questions to Ask Before You Buy Kidnap and Ransom in Maryland

Does the current COMAR no-search list cover K&R, or are you relying on the named insured’s ECP qualification?
Can you give us the ECP disclosure and later written request, and identify which named insured meets the qualification?
Is the issuing company U.S.-domiciled or alien, and how did you verify its current Maryland eligibility?
Which covered people, territories, extortion events, response services, and exclusions appear in the actual K&R contract?

Kidnap and Ransom Insurance in Maryland: Frequently Asked Questions

Can a Maryland broker skip the admitted-market K&R search because of the export list?

No. K&R is not named in Maryland’s current COMAR list of coverages that can bypass the search; a separate exempt-commercial-purchaser route may apply if its qualification, disclosure, and written-request conditions are met. ^3,^1,⁴

How do I check an alien surplus-lines insurer for a Maryland K&R quote?

Maryland’s Insurance Administration says an alien insurer must be on the NAIC Quarterly Listing of Alien Insurers; U.S.-domiciled surplus-lines insurers must apply annually to Maryland. ²

Sources for Kidnap and Ransom Insurance in Maryland

1
Md. Code, Insurance §3-306.1, Diligent Search. Maryland General Assembly; 2026 statute: subsections (a), (b), and (d), declinations, listed coverages, and ECP waiver disclosure/request. Accessed 2026-09-28.
2
Surplus Lines Insurers. Maryland Insurance Administration; Current eligibility page: U.S.-domiciled approval is annual; alien insurer listed on NAIC quarterly listing. Accessed 2026-09-28.
3
COMAR 31.03, Insurance Producers. Maryland Division of State Documents; Current surplus-lines regulations, 31.03.10.02: enumerated coverages exempt from diligent search; reviewed complete list and K&R is not named. Accessed 2026-09-28.
4
15 U.S.C. §§8202, 8205–8206, Nonadmitted Insurance. Office of the Law Revision Counsel, U.S. House of Representatives; Current preliminary U.S. Code: §8205 ECP search waiver and §8206(5)–(6) definitions. Accessed 2026-09-28.
5
Maryland Insurance Administration. Maryland Insurance Administration; Homepage and consumer contact. Accessed 2026-09-28.
6
Insurance License Lookup. Maryland Insurance Administration; State-designated producer/company search. Accessed 2026-09-28.
7
File an Insurance Complaint. Maryland Insurance Administration; State complaint process and contact. Accessed 2026-09-28.
8
Md. Code, Insurance §3-324. Maryland General Assembly; Insurance §3-324(a)-(b), (d)-(f): government-risk exclusion; 3% of gross premiums less returns; entire-premium home-state basis from July 21, 2011, with tax charged in addition. Accessed 2026-09-28.
9
Maryland Insurance Article (2026). Maryland General Assembly; Insurance §9-303(5), (7): surplus-lines and unauthorized insurers excluded from property and casualty guaranty subtitle; 2026 Insurance Article PDF. 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.

What Kidnap and Ransom Insurance Requirements Apply in Maryland?

What Is Kidnap and Ransom Insurance?

What to Watch for With Kidnap and Ransom in Maryland

K&R Is Not on Maryland’s Enumerated No-Search List

The ECP Waiver Requires Disclosure and a Later Request

Check the U.S. and Alien Insurer Routes Separately