---
title: "What Is Kidnap and Ransom Insurance?"
description: "K&R is specialized insurance for specified crisis expenses after a covered kidnapping, extortion, or detention event."
canonical: "https://spot.insure/insurance-faq/kidnap-ransom/what-is-kidnap-and-ransom-insurance"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# What Is Kidnap and Ransom Insurance?

K&R is specialized insurance for specified crisis expenses after a covered kidnapping, extortion, or detention event.

K&R is specialized insurance for specified crisis expenses after a covered kidnapping, extortion, or detention event. Some policies also provide access to response consultants.

Check who is insured, covered events, territory, limits, retention, and notice and consent requirements. Confirm which services are included in your quote.

## Related Questions

- [What Does Kidnap and Ransom Insurance Cover?](https://spot.insure/insurance-faq/kidnap-ransom/what-does-kidnap-and-ransom-insurance-cover)
- [Who Needs Kidnap and Ransom Insurance?](https://spot.insure/insurance-faq/kidnap-ransom/who-needs-kidnap-and-ransom-insurance)
- [Does K&R Insurance Cover Ransom Payments?](https://spot.insure/insurance-faq/kidnap-ransom/does-kr-insurance-cover-ransom-payments)

## Related Coverage

- [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom)

## Sources

1. [Kidnap and Ransom Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/kidnap-ransom). Travelers; Opening; Applications; Sample policy forms. Accessed 2026-09-25.
2. [The Chubb Primary Kidnap Ransom and Extortion Insurance](https://www.chubb.com/us-en/business-insurance/the-chubb-primary-kidnap-ransom-extortion-insurance.html). Chubb; Opening; Kidnap, Ransom & Extortion Insurance Highlights. Accessed 2026-09-25.

More answers: [Kidnap and Ransom (K&R) Insurance FAQ](https://spot.insure/insurance-faq/kidnap-ransom).

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