What Kidnap and Ransom Insurance Requirements Apply in Texas?

The NAIC chart cites Tex. Ins. Code §§ 225.004, 225.006 for single-state surplus-lines tax treatment in Texas. Ask your broker to show that charge separately from insurer premium and match insured people, territory, and covered events to your travel plan.

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 Should You Watch for With Kidnap and Ransom Insurance in Texas?

State Charges on a Nonadmitted Placement
For a single-state surplus-lines placement in Texas, the NAIC chart cites Tex. Ins. Code §§ 225.004, 225.006 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 handles only claims that meet its statutory definition. Before signing a nonadmitted policy, ask the broker to identify the insurer and explain in writing whether this policy has guaranty protection. The chart cites Tex. Ins. Code §§ 225.004, 225.006 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 cyber extortion is part of the proposal, have the broker identify who screens a requested payment and who can authorize it. OFAC flags sanctions exposure for companies that facilitate ransomware payments. For multi-state risks, the chart cites Tex. Ins. Code §§ 225.004, 225.006 for the state tax rule; ask how K&R and any cyber extension are allocated before comparing quotes. ^3,¹

Which Kidnap and Ransom Providers Have Texas 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 Texas. 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 Texas?

Texas Department of Insurance

TDI licenses agents and insurers, reviews company rate filings, and investigates complaints against insurance companies and people it regulates. Its complaint page states limits on what it can resolve, including disputes outside its regulatory authority. ^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in Texas

Reported tax rate. 4.85% of gross premium plus 0.04% SLTX stamping fee ^7,^8,⁹

When Texas is the insured’s home state, the state tax is 4.85% of gross premium; absent a compact allocation agreement, a multistate policy can be taxed on its entire premium. Policies effective on or after Jan. 1, 2024 also carry a 0.04% stamping fee; SLTX invoices the broker and says the insured pays it, and the surplus-lines insurer is not covered by the Texas guaranty association.

Surplus Lines Stamping Office of Texas

Questions to Ask Before You Buy Kidnap and Ransom in Texas

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

Kidnap and Ransom Insurance in Texas: Frequently Asked Questions

What state tax applies to surplus-lines K&R insurance in Texas?

4.85% of premium. The NAIC chart's Texas row cites Tex. Ins. Code §§ 225.004, 225.006; ask the broker to show the amount separately on the quote. ¹

What happens if a surplus-lines K&R insurer fails in Texas?

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 Tex. Ins. Code §§ 225.004, 225.006, but paying tax does not establish fund protection. ^2,¹

Sources for Kidnap and Ransom Insurance in Texas

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
texas insurance regulator. State insurance regulator; TDI regulator page outlines licensing, financial oversight, compliance/enforcement, and rate review. Accessed 2026-09-28.
5
How to Find a Licensed Insurance Agent or Adjuster. State insurance regulator; TDI says search by agent name or license number and links to the state license search. Accessed 2026-09-28.
6
Get Help with an Insurance Complaint. State insurance regulator; Direct complaint page explains covered entities, exclusions and online filing; Help Line 800-252-3439. Accessed 2026-09-28.
7
Texas Insurance Code §§225.002–225.004. Texas Legislature; §225.002 limits chapter to Texas-home-state insured; §225.004(a) 4.85%; (a-1) NRRA home-state limitation; (c) entire premium where Texas is home state and no compact agreement. Accessed 2026-09-28.
8
Stamping Fees & Taxes. Surplus Lines Stamping Office of Texas; Current policy-date table lists 0.04% for inception 1/1/2024 and after; stamping fee invoices go to brokers; site says fee is paid by insured. Accessed 2026-09-28.
9
Texas Surplus Lines Companies. Texas Department of Insurance; TDI says surplus-lines insurers are not licensed in Texas and its guaranty association member; eligibility/disclaimer and broker financial-responsibility details. 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
About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
16
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.
17
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 Texas?

What Is Kidnap and Ransom Insurance?

What Should You Watch for With Kidnap and Ransom Insurance in Texas?

State Charges on a Nonadmitted Placement

Guaranty-Fund Eligibility

Sanctions and Cyber Extortion