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 Idaho?

Idaho’s statute allows surplus-lines placement only for the amount or kind unavailable from authorized insurers, subject to its stated exception for coverage that cannot be bought separately; the state rule defines the usual search as submitting the risk to one insurer writing the class. A qualifying exempt commercial purchaser can waive the search only after disclosure and a later written request.

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 Idaho?

A Diligent Submission May Be One Insurer
Idaho limits the exported amount to what is excess over coverage available from authorized insurers, unless the excess cannot be obtained without support of other coverages. Ask whether an admitted insurer can cover part of your requested K&R limit and how the proposed surplus layer fits; Idaho’s rule otherwise treats one submission to an insurer writing the class as a diligent search. ^2,¹
Get Both ECP Documents Before Placement
Idaho Code §41-1214(4) removes the search requirement for an exempt commercial purchaser only after the admitted-market disclosure and the purchaser’s subsequent written request. Ask the broker to identify the purchaser that qualifies and provide both documents. ²
Check the Carrier’s Idaho Eligibility Route
Idaho DOI directs brokers to use a carrier on the state’s eligible list or, for an alien insurer, the NAIC quarterly list. Ask for the exact issuing insurer and which list supports its eligibility; list eligibility does not establish that this K&R wording fits your travelers or response plan. ³

Which Kidnap and Ransom Providers Have Idaho 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 Idaho. 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 Idaho?

Idaho Department of Insurance

The Idaho Department of Insurance administers insurance laws and regulates insurers and licensed producers. It directs users to the NAIC State Based Systems lookup for producer and company licensing records and accepts consumer complaints. ^4,^8,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (208) 334-4250

Surplus-Lines Tax and Stamping Office in Idaho

Reported tax rate. 1.5% of premium when Idaho is the home state for property and casualty coverage ^6,^7,⁹

Idaho’s surplus-lines tax is 1.5%. For property-and-casualty insurance other than workers’ compensation, if Idaho is the insured’s home state the full premium is taxed regardless of where covered risks are located; other lines follow the statutory allocation rule. Surplus-lines policies do not receive Idaho guaranty-association protection.

Questions to Ask Before You Buy Kidnap and Ransom in Idaho

Which Idaho-admitted insurer received the K&R submission, and can an admitted layer cover part of the requested limit?
Does the named issuing insurer appear on Idaho’s current eligible list or the NAIC alien list?
Which employees, locations, extortion events, and response costs are included in this K&R wording?
If we qualify as an exempt commercial purchaser, can you send the disclosure and our written request?

Kidnap and Ransom Insurance in Idaho: Frequently Asked Questions

How many admitted insurers must an Idaho broker submit K&R to before surplus-lines placement?

Usually one company writing the requested class under Idaho’s search rule; if none writes that class, the broker submits it to the company most likely to accept it. A qualifying exempt commercial purchaser may waive that search after the required disclosure and later written request. ^1,²

Can any nonadmitted insurer issue K&R coverage in Idaho?

No. Idaho DOI says the carrier must be eligible on Idaho’s list or, for an alien insurer, on the NAIC quarterly list, and placement must go through a licensed surplus-lines broker. ³

Sources

16 documents, numbered as cited. Open the sources

Sources for Kidnap and Ransom Insurance in Idaho

1
IDAPA 18.06.06, Surplus Line Rules. Idaho Department of Insurance; Rule 010.01 defines diligent search; current rule authority/scope dated July 1, 2025. Accessed 2026-09-28.
2
Idaho Code §41-1214, Conditions for Export. Idaho Legislature; Subsections (2), (4), and (5): search, ECP conditions, recordkeeping. Accessed 2026-09-28.
3
Surplus Lines Broker. Idaho Department of Insurance; Idaho Code list; official explanation of admitted-market search, eligible company list, alien insurer route, affidavit due within 30 days of policy receipt. Accessed 2026-09-28.
4
Idaho Department of Insurance. Idaho Department of Insurance; Official regulator homepage and consumer resources. Accessed 2026-09-28.
5
Consumers. Idaho Department of Insurance; Official consumer service bureau page with File a Complaint links and published phone. Accessed 2026-09-28.
6
Idaho Insurance Laws and Regulations. Idaho Department of Insurance; 2026 publication: Idaho Code § 41-1204, 1.5% premium tax and home-state allocation rule. Accessed 2026-09-28.
7
Surplus Lines. Idaho Department of Insurance; Idaho surplus-lines broker requirement and Idaho SLA membership. Accessed 2026-09-28.
8
Request Public Records. Idaho Department of Insurance; Department states that producer and insurer licensing records are maintained by State Based Systems and links to individual SBS Lookup Search. Accessed 2026-09-28.
9
Surplus Lines: Facts to Know. Idaho Department of Insurance; Department publication says there is no state guaranty-association coverage for surplus-lines insurance if the company becomes insolvent. 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
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.
16
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 Idaho?

What Is Kidnap and Ransom Insurance?

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

A Diligent Submission May Be One Insurer

Get Both ECP Documents Before Placement

Check the Carrier’s Idaho Eligibility Route