--- title: "Kidnap and Ransom Insurance in Utah" description: "See how Utah's surplus-lines tax and insurer insolvency rules can affect a K&R quote." canonical: "https://spot.insure/coverage/kidnap-ransom/utah" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/kidnap-ransom/utah) # Kidnap and Ransom Insurance in Utah The NAIC chart cites Utah Code §§ 31A-3-301, 31A-3-303 for single-state surplus-lines tax treatment in Utah. Ask your broker to show that charge separately from insurer premium and match insured people, territory, and covered events to your travel plan.[^1] **Coverage:** [Kidnap and ransom](/coverage/kidnap-ransom) · [Utah](/coverage/states/utah) ## 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](/coverage/kidnap-ransom). ## What to Watch for in Utah ### State Charges on a Nonadmitted Placement For a single-state surplus-lines placement in Utah, the NAIC chart cites Utah Code §§ 31A-3-301, 31A-3-303 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 Guaranty-fund eligibility turns on the insurer and the state statute. Ask your broker to show the policy disclosure and confirm whether a surplus-lines placement is outside the Utah guaranty fund. The chart cites Utah Code §§ 31A-3-301, 31A-3-303 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 Ask whether cyber extortion is included or excluded, and who handles sanctions checks before a payment. OFAC specifically warns that facilitating ransomware payments can expose companies to sanctions enforcement. For multi-state risks, the chart cites Utah Code §§ 31A-3-301, 31A-3-303 for the state tax rule; ask how K&R and any cyber extension are allocated before comparing quotes.[^3][^1] ## Who Regulates Insurance in Utah **Utah Insurance Department.** The Utah Insurance Department regulates licensed insurance companies and producers, offers a public licensee search, and accepts complaints about property/casualty insurance. Complaint jurisdiction depends on policy type and place of issue; employer self-funded plans are outside the Department’s authority.[^4][^5][^6] - [Regulator website](https://insurance.utah.gov/) - [License lookup](https://insurance.utah.gov/licensee-search/) - [File a complaint](https://insurance.utah.gov/complaints/) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 4.25% of gross premium including policy fees, plus 0.18% stamping fee For Utah-home-state surplus-lines coverage, Utah charges 4.25% of gross premiums including policy fees, less returned premiums, and the Surplus Line Association of Utah collects a 0.18% stamping fee. Utah law requires a policy notice that the nonadmitted insurer is not protected by any Utah guaranty association; the state’s current guidance says a good-faith admitted-market effort is generally required unless the coverage is on the export list.[^7][^8][^9][^10][^11] [Surplus Line Association of Utah](https://www.slaut.org/) ## 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 that the product is available in Utah; [check the regulator’s license lookup](https://insurance.utah.gov/licensee-search/) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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.[^14] ## Questions to Ask Before You Buy in Utah 1. Will you identify whether this Utah 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 Utah'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 Utah: FAQ ### What state tax applies to surplus-lines K&R insurance in Utah? 4.25% of premium. The NAIC chart's Utah row cites Utah Code §§ 31A-3-301, 31A-3-303; ask the broker to show the amount separately on the quote.[^1] ### What happens if a surplus-lines K&R insurer fails in Utah? 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 Utah Code §§ 31A-3-301, 31A-3-303, but paying tax does not establish fund protection.[^2][^1] ## Kidnap And Ransom in Other States - [Alabama](/coverage/kidnap-ransom/alabama) - [Alaska](/coverage/kidnap-ransom/alaska) - [Arizona](/coverage/kidnap-ransom/arizona) - [Arkansas](/coverage/kidnap-ransom/arkansas) - [California](/coverage/kidnap-ransom/california) - [Colorado](/coverage/kidnap-ransom/colorado) - [Connecticut](/coverage/kidnap-ransom/connecticut) - [Delaware](/coverage/kidnap-ransom/delaware) - [District of Columbia](/coverage/kidnap-ransom/district-of-columbia) - [Florida](/coverage/kidnap-ransom/florida) - [Georgia](/coverage/kidnap-ransom/georgia) - [Hawaii](/coverage/kidnap-ransom/hawaii) - [Idaho](/coverage/kidnap-ransom/idaho) - [Illinois](/coverage/kidnap-ransom/illinois) - [Indiana](/coverage/kidnap-ransom/indiana) - [Iowa](/coverage/kidnap-ransom/iowa) - [Kansas](/coverage/kidnap-ransom/kansas) - [Kentucky](/coverage/kidnap-ransom/kentucky) - [Louisiana](/coverage/kidnap-ransom/louisiana) - [Maine](/coverage/kidnap-ransom/maine) - [Maryland](/coverage/kidnap-ransom/maryland) - [Massachusetts](/coverage/kidnap-ransom/massachusetts) - [Michigan](/coverage/kidnap-ransom/michigan) - [Minnesota](/coverage/kidnap-ransom/minnesota) - [Mississippi](/coverage/kidnap-ransom/mississippi) - [Missouri](/coverage/kidnap-ransom/missouri) - [Montana](/coverage/kidnap-ransom/montana) - [Nebraska](/coverage/kidnap-ransom/nebraska) - [Nevada](/coverage/kidnap-ransom/nevada) - [New Hampshire](/coverage/kidnap-ransom/new-hampshire) - [New Jersey](/coverage/kidnap-ransom/new-jersey) - [New Mexico](/coverage/kidnap-ransom/new-mexico) - [New York](/coverage/kidnap-ransom/new-york) - [North Carolina](/coverage/kidnap-ransom/north-carolina) - [North Dakota](/coverage/kidnap-ransom/north-dakota) - [Ohio](/coverage/kidnap-ransom/ohio) - [Oklahoma](/coverage/kidnap-ransom/oklahoma) - [Oregon](/coverage/kidnap-ransom/oregon) - [Pennsylvania](/coverage/kidnap-ransom/pennsylvania) - [Rhode Island](/coverage/kidnap-ransom/rhode-island) - [South Carolina](/coverage/kidnap-ransom/south-carolina) - [South Dakota](/coverage/kidnap-ransom/south-dakota) - [Tennessee](/coverage/kidnap-ransom/tennessee) - [Texas](/coverage/kidnap-ransom/texas) - [Vermont](/coverage/kidnap-ransom/vermont) - [Virginia](/coverage/kidnap-ransom/virginia) - [Washington](/coverage/kidnap-ransom/washington) - [West Virginia](/coverage/kidnap-ransom/west-virginia) - [Wisconsin](/coverage/kidnap-ransom/wisconsin) - [Wyoming](/coverage/kidnap-ransom/wyoming) [Other Coverage in Utah](/coverage/states/utah) ## Sources [^1]: [State Insurance Charts: Surplus Lines Insurance Premium Taxes](https://content.naic.org/sites/default/files/model-law-chart-zz-7-surplus-lines-insurance-premium-taxes.pdf) — 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](https://content.naic.org/cipr-topics/guaranty-associationsfunds) — 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](https://ofac.treasury.gov/media/912981/download?inline=) — 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]: [utah insurance regulator](https://insurance.utah.gov/) — State insurance regulator; Official department pages identify consumer, licensee-search, complaint, and regulatory services.. Accessed 2026-09-28. [^5]: [Utah Insurance Department Licensee Search](https://insurance.utah.gov/licensee-search/) — State insurance regulator; Official search provides public contact information and verifies agent or agency licensing status.. Accessed 2026-09-28. [^6]: [Utah Insurance Department Complaints](https://insurance.utah.gov/complaints/) — State insurance regulator; Accepts most P&C complaints and specifies exclusions and complaint-channel limits.. Accessed 2026-09-28. [^7]: [Utah Code §31A-3-301](https://le.utah.gov/xcode/Title31A/Chapter3/C31A-3-S301_2025101420251206.pdf) — Utah Legislature; Effective October 14, 2025; 4.25% of gross premium including fees; cancellation/return premium deductions and statutory exclusions.. Accessed 2026-09-28. [^8]: [Utah Code §31A-3-303](https://le.utah.gov/xcode/Title31A/Chapter3/C31A-3_1800010118000101.pdf) — Utah Legislature; §31A-3-301(4): premiums for surplus-lines insurance are taxable in full when Utah is the home state; subject to §31A-3-305 interstate allocation agreements for multistate risks.. Accessed 2026-09-28. [^9]: [Excess & Surplus Lines Insurance](https://insurance.utah.gov/licensees/insurers/excess-surplus-lines/) — Utah Insurance Department; Current FAQ: tax 4.25% of gross premiums including fees; stamping fee 0.18%; SLA Utah is stamping office; submission within 60 days.. Accessed 2026-09-28. [^10]: [Utah Code §31A-15-103(8)(c)](https://le.utah.gov/xcode/title31a/C31A_1800010118000101.pdf) — Utah Legislature; Surplus-lines policy must contain statutory notice that the insurer is not licensed and receives no protection from any guaranty associations under Title 31A, Chapter 28.. Accessed 2026-09-28. [^11]: [Excess & Surplus Lines Insurance](https://insurance.utah.gov/licensees/insurers/excess-surplus-lines/) — Utah Insurance Department; Current surplus-lines guidance: good-faith effort to place with admitted insurer is general rule; export-list coverage does not require diligent search, while off-list coverages require normal search procedures.. Accessed 2026-09-28. [^12]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^13]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — 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. [^14]: [Insurance Producer Licenses](https://www.corgi.insure/broker-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. [^15]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-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. [^16]: [Licenses](https://www.nextinsurance.com/insurance-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. [^17]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — 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. [^18]: [Licenses](https://www.vouch.us/legal/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 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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