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Kidnap and Ransom Insurance in North Dakota

The NAIC chart cites N.D. Cent. Code § 26.1-44-03.1 for single-state surplus-lines tax treatment in North Dakota. Ask your broker to show that charge separately from insurer premium and match insured people, territory, and covered events to your travel plan. 1

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 North Dakota

  • State Charges on a Nonadmitted Placement

    For a single-state surplus-lines placement in North Dakota, the NAIC chart cites N.D. Cent. Code § 26.1-44-03.1 as the tax authority. Ask the broker to show the state charge, taxable premium base, and allocation separately on the K&R binder. 1

  • Guaranty-Fund Eligibility

    The state fund pays only claims it treats as covered. Ask the broker to distinguish an admitted insurer from an eligible surplus-lines insurer and spell out any insolvency gap. The chart cites N.D. Cent. Code § 26.1-44-03.1 for surplus-lines tax, but paying that charge does not establish guaranty eligibility; ask for the insurer's insolvency disclosure too. 2,1

  • Sanctions and Cyber Extortion

    If your K&R quote addresses ransomware, ask the broker to separate that protection from kidnapping response and explain the sanctions review process before an incident. For multi-state risks, the chart cites N.D. Cent. Code § 26.1-44-03.1 for the state tax rule; ask how K&R and any cyber extension are allocated before comparing quotes. 3,1

Who Regulates Insurance in North Dakota

North Dakota Insurance Department

The North Dakota Insurance Department regulates insurers and producers, provides licensing and company searches, and investigates insurance complaints to assess compliance with state law and policy terms. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 1.75% of gross premium, assessments and policy fees, less return premium, when North Dakota is home state When North Dakota is the insured’s home state, the 1.75% tax applies to the entire gross premium, assessments, membership and subscriber fees, and policy or service fees on multistate policies, less return premium. North Dakota permits independent procurement only under separate statutory conditions; the policyholder should confirm whether a licensed broker placement or independent procurement applies. Nonadmitted insurers generally do not participate in state guaranty funds. 7,8,9

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 North Dakota. 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 North Dakota

  1. Will you identify whether this North Dakota K&R policy is admitted or surplus lines and show the state tax and fees separately?
  2. If the insurer becomes insolvent, would this exact policy qualify for protection under North Dakota's guaranty statute?
  3. Which employees, family members, travel destinations, and extortion events are insured under this quote?
  4. If cyber extortion is included, who checks sanctions and approves a payment before anyone acts?

Kidnap And Ransom in North Dakota: FAQ

What state tax applies to surplus-lines K&R insurance in North Dakota? 1

1.75% of premium. The NAIC chart's North Dakota row cites N.D. Cent. Code § 26.1-44-03.1; ask the broker to show the amount separately on the quote. 1

What happens if a surplus-lines K&R insurer fails in North Dakota? 2,1

The NAIC says state guaranty associations handle only eligible covered claims, subject to statutory limits. Ask the broker which association, if any, could respond to this insurer and policy; the separate tax rule cites N.D. Cent. Code § 26.1-44-03.1, but paying tax does not establish fund protection. 2,1

Kidnap And Ransom in Other States

Other Coverage in North Dakota

Sources

  1. State Insurance Charts: Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; State row for single-state risk; cited statutes and rate/allocation (chart reviewed October 2025). Accessed 2026-09-28.
  2. Guaranty Associations & Funds. National Association of Insurance Commissioners, Center for Insurance Policy and Research; Overview: state guaranty mechanisms and covered-claim limits (updated May 9, 2024). Accessed 2026-09-28.
  3. Updated Advisory on Potential Sanctions Risks for Facilitating Ransomware Payments. U.S. Department of the Treasury, Office of Foreign Assets Control; Sanctions risks associated with making/facilitating ransomware payments; compliance and reporting steps (updated September 21, 2021). Accessed 2026-09-28.
  4. North Dakota Insurance Department. North Dakota Insurance Department; Official department homepage; identifies regulation of insurance and consumer/business assistance. Accessed 2026-09-28.
  5. Print License / Search for an Agent. North Dakota Insurance Department; Official licensing page directs the public to current SBS public lookup for agent status, license number, lines and appointments; linked public lookup is up to date. Accessed 2026-09-28.
  6. Complaints. North Dakota Insurance Department; Official complaint process; Department reviews compliance with insurance laws and policy coverage; directs online filings to state-specific SBS complaint form. Accessed 2026-09-28.
  7. Surplus Lines. North Dakota Insurance Department; Current official page: ND home-state rate 1.75% on total premium including assessments and policy fees for multistate coverage; explains home-state allocation and nonadmitted insurer guaranty status. Accessed 2026-09-28.
  8. N.D.C.C. Chapter 26.1-44, Surplus Lines Insurance. North Dakota Legislative Branch; §26.1-44-03.1 sets 1.75% tax base, home-state rule, fee inclusion, return premiums; §§26.1-44-08 and related provisions cover placements. Accessed 2026-09-28.
  9. Surplus Lines. North Dakota Insurance Department; Official page states nonadmitted insurers generally do not participate in state-created insurance guaranty funds. 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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