What Kidnap and Ransom Insurance Requirements Apply in Michigan?

Michigan’s current DIFS export list expressly names kidnap-and-ransom or extortion insurance as generally unavailable in the authorized market, so a producer may use that listed-class route without the ordinary search. DIFS warns that some risks in a listed class may still get admitted coverage, so compare whether an authorized carrier can cover your named people and travel exposures before choosing the surplus-lines quote.

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 Michigan

Michigan Specifically Lists K&R
DIFS’s current export list names kidnap-and-ransom or extortion insurance and its current FAQ says a listed line can be placed without the ordinary market-search process. The Department also warns that some individual risks may still find admitted coverage; ask whether an authorized carrier can cover your people, trip locations, and requested event triggers. ^1,²
The Export List Does Not Remove the Carrier Check
Even for a listed line, DIFS says the producer remains responsible for using an insurer in stable and unimpaired financial condition, and Michigan requires a licensed producer for surplus-lines placement. Ask for the issuing insurer’s legal name and the broker’s Michigan surplus-lines license before binding. ²
Read Michigan’s Red Policy Notice
DIFS says each policy or other evidence of surplus-lines insurance must carry a visible red, at least 10-point notice that the insurer is not licensed in Michigan and claim payment may not be guaranteed in insolvency. Ask for the K&R policy and endorsements with that notice before relying on any response or payment provision. ²

Which Kidnap and Ransom Providers Have Michigan 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 Michigan. 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. ¹¹
Corgi lists kidnap and ransom among its specialized business-insurance offerings.

Who Regulates Insurance in Michigan?

Michigan Department of Insurance and Financial Services

The Michigan Department of Insurance and Financial Services licenses agents, agencies and companies, supervises insurance business, and helps resolve complaints. You can use its state lookup or complaint service to check a license or raise an insurance issue. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 877-999-6442

Surplus-Lines Tax and Stamping Office in Michigan

Reported tax rate. 2.5% combined surplus-lines tax and regulatory fee on premium when Michigan is the insured's home state ^6,^7,⁸

Michigan's Property and Casualty Guaranty Association is funded by insurers authorized to transact in the state; an insurer procured solely under Chapter 19 is expressly not considered authorized for that chapter. The surplus-lines policy must carry a notice that the insurer is not Michigan-licensed and insolvency claim payment may not be guaranteed.

Questions to Ask Before You Buy Kidnap and Ransom in Michigan

Does Michigan’s current export list apply to this K&R risk, and did you also check whether an admitted option can cover our specific people and destinations?
What is the issuing insurer’s legal name, and is the broker licensed for Michigan surplus-lines placement?
Will the policy show Michigan’s red 10-point notice about unlicensed status and insolvency claims?
Which K&R events, people, territories, response services, and payment conditions appear in the contract?

Kidnap and Ransom Insurance in Michigan: Frequently Asked Questions

Does Michigan list kidnap-and-ransom insurance as eligible for surplus-lines placement?

Yes. DIFS’s current export list names kidnap-and-ransom or extortion insurance as generally unavailable in the authorized market, though DIFS notes some individual risks in a listed class may still obtain admitted coverage. ^1,²

What notice must a Michigan surplus-lines K&R policy display?

DIFS says the policy must show in visible red, at least 10-point type that the insurer is not licensed in Michigan and that payment of claims may not be guaranteed in insolvency. ²

Sources for Kidnap and Ransom Insurance in Michigan

1
Surplus Lines List — Coverage Generally Unavailable in the Authorized Market. Michigan Department of Insurance and Financial Services; Current list under MCL 500.1910(4), item 3 and agency qualification immediately following the list. Accessed 2026-09-28.
2
Surplus Lines Coverage FAQ. Michigan Department of Insurance and Financial Services; Updated July 22, 2026: export-list no-search route, producer licensing, and policy notice under MCL 500.1922. Accessed 2026-09-28.
3
Department of Insurance and Financial Services. Department of Insurance and Financial Services; Official regulator and insurance oversight. Accessed 2026-09-28.
4
Insurance License Lookup. Department of Insurance and Financial Services; State-designated producer/company search. Accessed 2026-09-28.
5
File an Insurance Complaint. Department of Insurance and Financial Services; State complaint process and contact. Accessed 2026-09-28.
6
Surplus Lines Licensee: Filing the Surplus Lines Taxes. Michigan Department of Insurance and Financial Services; DIFS current filing page: Michigan-home-state placements taxed at 2.5% combined tax and regulatory fee; separate fees charged to insured are not included in premium tax base. Accessed 2026-09-28.
7
Michigan Insurance Code, Chapter 500. Michigan Legislature; MCL 500.7911(1)-(2), 500.7921(b): association membership tied to insurer authorized to transact; insurer procured solely under Chapter 19 is expressly not authorized for guaranty chapter. Accessed 2026-09-28.
8
Michigan Insurance Code, Chapter 500. Michigan Legislature; MCL 500.1922 requires policy notice that insurer is not Michigan-licensed and insolvency claim payment may not be guaranteed. Accessed 2026-09-28.
9
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
10
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.
11
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.
12
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.
13
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.
14
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.
15
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 Michigan?

What Is Kidnap and Ransom Insurance?

What to Watch for With Kidnap and Ransom in Michigan

Michigan Specifically Lists K&R

The Export List Does Not Remove the Carrier Check

Read Michigan’s Red Policy Notice