Kidnap & Ransom (K&R)

Covers ransom, negotiation, and crisis-response costs. Yes, it’s real; yes, it’s usually confidential by design.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.