--- title: "CFC Kidnap and Ransom Insurance" description: "CFC sells land-based kidnap and ransom insurance to businesses and their employees, paired with 24/7 crisis response services." canonical: "https://thegeneralaverage.com/insurance-providers/cfc/kidnap-ransom" page-type: "offering-page" updated-at: "2026-09-23" provider: "cfc" coverage-line: "kidnap-ransom" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://thegeneralaverage.com/insurance-providers/cfc/kidnap-ransom) ## Agent Guide **What this page is:** What CFC Kidnap and Ransom Insurance covers, who it fits and what to confirm before buying, drawn from the provider's public documents. **Use this page when:** Cite this page for CFC Kidnap and Ransom Insurance specifically. For the general coverage explainer use /coverage/kidnap-ransom; for the provider overall use its profile. **Questions this page answers:** - Does CFC Kidnap and Ransom Insurance offer this coverage? - What does CFC Kidnap and Ransom Insurance cover and exclude? - Who is CFC Kidnap and Ransom Insurance designed for? **Key facts:** - Provider slug `cfc`; coverage line `kidnap-ransom`. - Start with the Quick Answer; the at-a-glance table shows which topics the sources document. Facts are grouped by topic under their own headings, and what the sources do not disclose is listed in its own section. **Limits (do not over-claim):** - Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements. - Availability varies by state, industry and underwriting. - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying. **Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-23. **Related pages:** - [Provider profile](https://thegeneralaverage.com/insurance-providers/cfc) — parent: provider profile # What Does Kidnap and Ransom Insurance from CFC Cover? Product: CFC Kidnap & Ransom Insurance. Provider: CFC. Coverage line: Kidnap and Ransom Insurance. ## Quick Answer CFC sells land-based kidnap and ransom insurance to businesses and their employees, paired with 24/7 crisis response services. [1](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC") [2](https://www.cfc.com/en-us/products/industry/marine/ "Marine piracy insurance | CFC") ## CFC Kidnap and Ransom Insurance at a Glance | Topic | Evidence | Claims | | --- | --- | --- | | Role in This Line | Company-reported | 1 | | Issuing Insurer | Not publicly disclosed | 1 | | Coverage Features | Company-reported | 2 | | Limits and Retentions | Not found in reviewed sources | 1 | | Risk Services | Company-reported | 1 | | How to Apply | Company-reported | 1 | ## What Is CFC’s Role in Kidnap and 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. [1](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC") (Evidence: Company-reported; scope: K&R product page introduction, which explicitly distinguishes the land policy from the separate marine K&R product.) ## What Coverage Features Does CFC Kidnap and Ransom Insurance Include? - 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. [1](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC") (Evidence: Company-reported; scope: 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. [2](https://www.cfc.com/en-us/products/industry/marine/ "Marine piracy insurance | CFC") (Evidence: Company-reported; scope: Marine product page description of the marine kidnap and ransom line, distinct from the land K&R policy.) ## What Risk Services Come With CFC Kidnap and Ransom Insurance? - 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](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC") [2](https://www.cfc.com/en-us/products/industry/marine/ "Marine piracy insurance | CFC") (Evidence: Company-reported; scope: Key features on both the K&R and marine product pages.) ## How Do You Apply for CFC Kidnap and Ransom Insurance? - CFC publishes a downloadable K&R application form alongside the product brochure for brokers or businesses applying for the land K&R policy. [1](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC") (Evidence: Company-reported; scope: Downloads section of the K&R product page.) ## What We Couldn’t Find About CFC Kidnap and Ransom Insurance The reviewed sources do not settle these. Confirm them with CFC or a broker before relying on them. - **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](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC") [3](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") (Scope: Checked the K&R and marine product pages plus CFC's regulatory information page; none names a K&R-specific carrier.) - **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](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap & ransom insurance | CFC") [2](https://www.cfc.com/en-us/products/industry/marine/ "Marine piracy insurance | CFC") (Scope: Land K&R page checked on 2026-09-23 does not list numeric limits; marine page separately does.) ## How Does CFC Compare With Other Kidnap and Ransom Insurance Providers? - [CFC vs AIG](https://thegeneralaverage.com/compare/aig-vs-cfc) - [CFC vs Aon](https://thegeneralaverage.com/compare/aon-vs-cfc) - [CFC vs The Baldwin Group](https://thegeneralaverage.com/compare/baldwin-vs-cfc) - [CFC vs Chubb](https://thegeneralaverage.com/compare/cfc-vs-chubb) - [CFC vs CNA](https://thegeneralaverage.com/compare/cfc-vs-cna) - [CFC vs Coverdash](https://thegeneralaverage.com/compare/cfc-vs-coverdash) ## Other Coverage Lines From CFC - [CFC Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/cfc/commercial-property) - [CFC Crime Insurance](https://thegeneralaverage.com/insurance-providers/cfc/crime) - [CFC Cyber Insurance](https://thegeneralaverage.com/insurance-providers/cfc/cyber) - [CFC D&O Insurance](https://thegeneralaverage.com/insurance-providers/cfc/directors-officers) - [CFC Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/employment-practices) - [CFC Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/fiduciary) - [CFC General Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/general-liability) - [CFC Intellectual Property Insurance](https://thegeneralaverage.com/insurance-providers/cfc/intellectual-property) - [CFC Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/management-liability) - [CFC Media Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/media) - [CFC Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/product-liability) - [CFC Product Recall Insurance](https://thegeneralaverage.com/insurance-providers/cfc/product-recall) - [CFC Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/cfc/professional-errors-omissions) - [CFC Representations and Warranties Insurance](https://thegeneralaverage.com/insurance-providers/cfc/representations-warranties) - [CFC Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/cfc/technology-errors-omissions) - [CFC Telehealth Insurance](https://thegeneralaverage.com/insurance-providers/cfc/virtual-care-telehealth) - [CFC Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/umbrella-excess) ## Related Reading - [CFC Profile](https://thegeneralaverage.com/insurance-providers/cfc) - [CFC Reliability](https://thegeneralaverage.com/insurance-providers/cfc/reliability) - [CFC Alternatives](https://thegeneralaverage.com/insurance-providers/cfc/alternatives) - [Coverage Guide: Kidnap and ransom](https://thegeneralaverage.com/coverage/kidnap-ransom) ## Sources for CFC Kidnap and Ransom Insurance 1. [Kidnap & ransom insurance | CFC](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/). CFC; Kidnap & ransom key features; specialist marine K&R product; Downloads: Brochure, Application form. Accessed 2026-09-23. 2. [Marine piracy insurance | CFC](https://www.cfc.com/en-us/products/industry/marine/). CFC; Marine kidnap and ransom key features: limits up to USD25m, standalone loss of hire. Accessed 2026-09-23. 3. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23. ## How to Cite This Page CFC Kidnap and Ransom Insurance: Coverage & Application (2026). The General Average, updated 2026-09-23. https://thegeneralaverage.com/insurance-providers/cfc/kidnap-ransom. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage. Updated 2026-09-23. 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