Coverage line

A taut rescue rope finds a path through a thorn thicket toward an open traveller’s hand.Illustration for The General Average

What Kidnap and Ransom Insurance Requirements Apply in District of Columbia?

D.C. Code §31-2502.40 conditions a surplus-lines license on being unable to obtain the needed coverage after diligent effort, while federal law makes the insured’s home state the sole regulator of nonadmitted placement. Before treating a K&R quote as a D.C. placement, establish the policy’s home state and ask what admitted-market effort was documented.

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 to Watch for With Kidnap and Ransom in District of Columbia

Establish the Home State Before Applying D.C. Rules
Federal law generally makes the insured’s home state the sole regulator of nonadmitted placement and preempts another state’s rules when the insured’s home state is elsewhere. For a multistate business or group, ask the broker to document which insured and exposure determine the home state before using D.C. placement rules. ²
Ask for the D.C. Admitted-Market Search
D.C. Code §31-2502.40 authorizes surplus-lines procurement when a licensed producer cannot obtain the required kind of coverage from D.C.-authorized companies after diligent effort. Ask which admitted insurers were approached for the K&R protection you need and what could not be placed admitted. ¹
Confirm the D.C. Surplus-Lines Producer
D.C. treats surplus lines as a separate producer line of authority and requires the individual to hold or obtain property/casualty authority with it. Ask which licensed surplus-lines producer will procure the policy and confirm the named insured, policy form, and insurer before binding. ^3,¹

Providers With District of Columbia License Records

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 District of Columbia. 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. ¹⁴
Corgi lists kidnap and ransom among its specialized business-insurance offerings.

Who Regulates Insurance in District of Columbia?

District of Columbia Department of Insurance, Securities and Banking

DISB licenses and supervises insurance companies and producers, enforces District insurance laws, and provides consumer complaint assistance. Its licensing search covers insurance entities and representatives; consumers can contact the agency’s complaints unit for help. ^5,^6,⁸

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (202) 727-8000

Surplus-Lines Tax and Stamping Office in District of Columbia

Reported tax rate. Generally 2% of gross premium, including qualifying placement fees ^7,^9,^10,^11,⁴

When the District is the insured’s home state, surplus-lines agents and brokers generally owe a 2% tax on gross premium, including necessary fees incidental to placement when separately itemized. An agent or broker procuring insurance on behalf of the District government is exempt for that government business; claiming the exemption requires identifying its allocation in the required affidavit and does not waive other statutory duties. Ask the broker which taxes and fees your agreement passes through to you. DISB generally requires a diligent effort to place risks with authorized insurers. For a purchaser meeting the federal exempt-commercial-purchaser definition, the broker may skip that search only after disclosing that insurance may or may not be available from the admitted market, which may provide greater protection with more regulatory oversight, followed by the purchaser’s written request for nonadmitted placement. This record does not state a District-specific guaranty-fund conclusion.

Questions to Ask Before You Buy Kidnap and Ransom in District of Columbia

Which insured’s home state governs this multistate K&R placement, and what facts support that determination?
Which D.C.-authorized insurers were approached for our K&R coverage, and what terms or limits were unavailable?
Who is the D.C.-licensed surplus-lines producer responsible for this placement?
Can you show the policy’s triggers, covered people, response-cost consent, exclusions, and territorial limits?

Kidnap and Ransom Insurance in District of Columbia: FAQ

Do D.C. surplus-lines rules apply whenever a covered employee travels to D.C.?

No. Federal law generally assigns regulation of a nonadmitted placement to the insured’s home state; travel or an incident in D.C. alone does not establish that D.C. governs the placement. ²

What must support a D.C. surplus-lines K&R placement?

D.C. Code §31-2502.40 describes procurement after a licensed producer cannot obtain the required kind of insurance from D.C.-authorized companies despite diligent effort. Confirm the policy’s home state before applying that rule. ^1,²

Sources

18 documents, numbered as cited. Open the sources

Sources for Kidnap and Ransom Insurance in District of Columbia

1
D.C. Code §31-2502.40: License to Procure Policies from Unauthorized Companies. Council of the District of Columbia, D.C. Law Library; Subsection (a): licensed surplus-lines producer and diligent-effort condition. Accessed 2026-09-28.
2
15 U.S.C. §8202: Regulation of Nonadmitted Insurance by Insured’s Home State. U.S. House, Office of the Law Revision Counsel; Subsections (a), (c): sole home-state authority and preemption. Accessed 2026-09-28.
3
D.C. Code §31-1131.07: Producer License Lines. Council of the District of Columbia, D.C. Law Library; Subsections (a), (a-1): surplus-lines authority requires property/casualty line. Accessed 2026-09-28.
4
D.C. Code §31–2502.40: License to procure policies from unauthorized companies. Council of the District of Columbia; Subsection (a): broker/agent tax and diligent effort; (c)(1)–(3): District-government procurement tax exemption, allocation statement and continuing duties. Accessed 2026-09-28.
5
Department of Insurance, Securities and Banking. District of Columbia DISB; Official insurance regulator homepage. Accessed 2026-09-28.
6
Verify a Financial Institution or Representative Licensed with DISB. District of Columbia DISB; Official license verification for companies and representatives. Accessed 2026-09-28.
7
Surplus Line Information. District of Columbia DISB; Current 2% tax base including incidental placement fees; fees must be necessary and separately itemized; diligent-effort rule. Accessed 2026-09-28.
8
File a Complaint or Report Fraud. District of Columbia DISB; Official insurance complaint information and filing form. Accessed 2026-09-28.
9
15 U.S.C. §8201: Reporting, payment, and allocation of premium taxes. U.S. House of Representatives, Office of the Law Revision Counsel; §8201(a): exclusive insured home-State authority to require nonadmitted premium tax; (c): separate allocation reporting. Accessed 2026-09-28.
10
15 U.S.C. § 8205: Streamlined application for commercial purchasers. U.S. House of Representatives, Office of the Law Revision Counsel; §8205(1)-(2): admitted-market disclosure about possible availability, greater protection and oversight followed by the qualified purchaser’s written request; eligibility separately defined in §8206(5). Accessed 2026-09-28.
11
15 U.S.C. §8206: Definitions. U.S. House of Representatives, Office of the Law Revision Counsel; §8206(5) exempt-commercial-purchaser criteria; (6) home State and affiliated-insured rules; (13) qualified risk manager. Accessed 2026-09-28.
12
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. 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. 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. 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. 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. 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. 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 District of Columbia?

What Is Kidnap and Ransom Insurance?

What to Watch for With Kidnap and Ransom in District of Columbia

Establish the Home State Before Applying D.C. Rules

Ask for the D.C. Admitted-Market Search

Confirm the D.C. Surplus-Lines Producer