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 Indiana?

Indiana DOI says the standard surplus-lines search asks whether the requested K&R terms can be obtained from admitted insurers; a higher admitted premium alone is not enough. A qualifying exempt commercial purchaser can bypass that search only after disclosure and a later written request, and the issuing carrier still needs an Indiana eligibility route.

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 Indiana?

A Higher Admitted Premium Is Not Enough
Under Indiana DOI’s standard search route, requested terms must be unavailable; a higher admitted premium alone is not enough. Ask which K&R term—such as the insured group or destination scope—was unavailable. A qualifying exempt commercial purchaser may use the federal search waiver only after the broker’s disclosure and the purchaser’s later written request. ^1,³
Ask What the Search Found
The Department describes a diligent search as obtaining specific declinations from admitted companies writing the class, or approaching the companies most likely to write it when none actively does. Ask for the search result summary before comparing surplus-lines wording. ¹
Verify the Issuing Company’s Indiana Authorization
IDOI maintains separate U.S.-domiciled and non-U.S.-domiciled surplus-lines company categories, and says a producer must submit a request for authorization annually. Ask for the legal insurer name and its current listing category; do not treat a broker or response firm as the insurer. ²

Which Kidnap and Ransom Providers Have Indiana 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 Indiana. 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. ¹³
Corgi lists kidnap and ransom among its specialized business-insurance offerings.

Who Regulates Insurance in Indiana?

Indiana Department of Insurance

The Indiana Department of Insurance licenses and regulates insurance companies and producers, reviews rates and policies, and investigates consumer complaints. Its Consumer Services Division accepts complaints and the Department provides company and license searches. ^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (800) 622-4461

Surplus-Lines Tax and Stamping Office in Indiana

Reported tax rate. 2.5% of gross premium when Indiana is the home state ^7,^8,^9,¹⁰

Indiana’s surplus-lines premium tax is 2.5% when Indiana is the insured’s home state. Surplus-lines policies are outside Indiana guaranty-fund protection; before you buy, confirm the insurer’s identity and financial strength with your broker.

Questions to Ask Before You Buy Kidnap and Ransom in Indiana

What K&R term is unavailable from Indiana-admitted insurers, apart from price?
Which companies declined the requested coverage or terms?
What is the legal name of the issuing insurer, and which Indiana surplus-lines list includes it?
Who is the crisis-response contact, and which events, people, and destinations are covered by this quote?

Kidnap and Ransom Insurance in Indiana: Frequently Asked Questions

Does a higher premium alone make K&R unavailable in Indiana’s admitted market?

No. Indiana DOI says coverage is not considered unavailable when an admitted insurer could provide it at a higher premium. ¹

How can I check an Indiana surplus-lines K&R carrier?

Ask for the issuing insurer’s legal name and check the Indiana DOI’s U.S.- or non-U.S.-domiciled surplus-lines company category; the Department says producers submit authorization requests annually. ²

Can an Indiana exempt commercial purchaser skip the admitted-market K&R search?

Yes, if it meets the federal exempt-commercial-purchaser definition, the broker discloses that admitted insurance may offer greater protection and regulatory oversight, and the purchaser later requests surplus-lines placement in writing. ³

Sources

18 documents, numbered as cited. Open the sources

Sources for Kidnap and Ransom Insurance in Indiana

1
Surplus Lines Agent Licensing. Indiana Department of Insurance; Surplus-lines information: availability means requested terms; higher price alone is not unavailability; diligent-search method. Accessed 2026-09-28.
2
Lists by Type or Category. Indiana Department of Insurance; Surplus Lines Companies: IC 27-1-15.8-4(c), producer authorization, U.S.- and non-U.S.-domiciled company lists. Accessed 2026-09-28.
3
15 U.S.C. §§8202, 8205–8206, Nonadmitted Insurance. Office of the Law Revision Counsel, U.S. House of Representatives; Current preliminary U.S. Code: §§8202(a), (d) and (f) home-state scope; 8205 ECP search waiver; 8206(5)–(6) purchaser and home-state definitions. Accessed 2026-09-28.
4
Indiana Department of Insurance. Indiana Department of Insurance; Official regulator homepage and insurance oversight. Accessed 2026-09-28.
5
Company/Entity Financial Compliance. Indiana Department of Insurance; Official Company Lookup queries live department data on licensed entities; producer resources linked separately. Accessed 2026-09-28.
6
Submit a Complaint Online. Indiana Department of Insurance; Online complaint portal and published consumer phone. Accessed 2026-09-28.
7
Indiana Code § 27-1-15.8-4: Tax on surplus lines insurance. Indiana General Assembly; 2.5% tax and insured home-state application. Accessed 2026-09-28.
8
Surplus Lines Agent Licensing. Indiana Department of Insurance; Official IDOI surplus-lines agent and company guidance; identifies surplus-lines insurers as companies not licensed to transact admitted insurance in Indiana and statutory eligibility conditions. Accessed 2026-09-28.
9
Guaranty Associations & Funds. National Association of Insurance Commissioners; Overview of state guaranty-association scope and nonadmitted insurers. Accessed 2026-09-28.
10
Guaranty Funds. Indiana Department of Insurance; Department description of Indiana P&C and life/health guaranty funds and their limits; together with the Department's surplus-lines company page distinguishing these nonauthorized companies from licensed insurers. Accessed 2026-09-28.
11
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
12
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.
13
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.
14
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.
15
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.
16
About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
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 Indiana?

What Is Kidnap and Ransom Insurance?

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

A Higher Admitted Premium Is Not Enough

Ask What the Search Found

Verify the Issuing Company’s Indiana Authorization