CFC Kidnap and Ransom Insurance

CFC Kidnap & Ransom Insurance

CFC underwrites a land-based kidnap and ransom (K&R) policy for businesses and their employees, paired with crisis response services, and separately sells a specialist marine K&R product for commercial and leisure maritime activities. 1Company-reported. K&R product page introduction, which explicitly distinguishes the land policy from the separate marine K&R product.

Issuing Insurer

Not publicly disclosed. The reviewed K&R product page does not name the insurer or Lloyd's syndicate backing the policy. CFC's regulatory page lists CFC-affiliated underwriting vehicles, including its own Lloyd's Syndicate 1988, but does not tie one specifically to K&R. 1,3Checked the K&R and marine product pages plus CFC's regulatory information page; none names a K&R-specific carrier.

Coverage Features

CFC describes the land K&R policy as offering a broad definition of bodily injury, legal and expense cover, an extended personal accident benefit, and optional endorsements a broker can add for a specific business. 1Company-reported. Key features section of the K&R product page; exact terms are set by the policy as issued.

CFC's marine K&R product is a separate policy covering hijack and seizure of a vessel or kidnap of crew, with combined limits up to USD 25 million for kidnap and ransom and loss of hire, plus standalone loss-of-hire cover available on its own. 2Company-reported. Marine product page description of the marine kidnap and ransom line, distinct from the land K&R policy.

Limits and Retentions

Not found in reviewed sources. The land K&R product page does not publish specific limit amounts; only the marine K&R variant discloses a limit figure (USD 25 million combined for kidnap and ransom and loss of hire). 1,2Land K&R page checked on 2026-09-23 does not list numeric limits; marine page separately does.

Risk Services

Policyholders on both the land and marine K&R products get 24/7 access to expert crisis response consultants through a global response team in the event of an incident. 1,2Company-reported. Key features on both the K&R and marine product pages.

How to Apply

CFC publishes a downloadable K&R application form alongside the product brochure for brokers or businesses applying for the land K&R policy. 1Company-reported. Downloads section of the K&R product page.

CFC Kidnap and Ransom Insurance Compared

Other CFC Coverage Lines

Sources

  1. Kidnap & ransom insurance | CFC. CFC; Kidnap & ransom key features; specialist marine K&R product; Downloads: Brochure, Application form. Accessed 2026-09-23.
  2. Marine piracy insurance | CFC. CFC; Marine kidnap and ransom key features: limits up to USD25m, standalone loss of hire. Accessed 2026-09-23.
  3. Regulatory information. CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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