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Hardy Guernsey Ltd (HGL) is an insurance and reinsurance company based in St Peter Port, Guernsey.  It is 100% owned by Hardy Underwriting Bermuda Ltd, the holding company for the Hardy Group.

HGL was established in January 2011 in order to facilitate the development of a book of kidnap and ransom insurance, based in Guernsey, assisted by Hardy's Lloyd's operation in London.

HGL is regulated by the Guernsey Financial Services Commission. 

Each risk written by HGL is reinsured 100% by syndicate 382 at Lloyd’s which benefits from the Lloyd’s market financial strength ratings of:

  • AM BestA
  • Standard & Poor’sA+
  • FitchA+

Whilst operating to the high standards required by the Guernsey Financial Services Commission, HGL also falls within the Hardy Group’s enterprise wide risk management programme which is being developed to meet the expectations of the Solvency II initiative.  HGL receives the full support of the Group to maintain these standards.


HGL offers a broad range of products within the kidnap and ransom sector including but not limited to kidnap, extortion (physical and property damage), hijack and wrongful detention.  Coverage can also be extended to cover emergency political repatriation, product loss, computer virus interruption, loss of earnings and threat expense.

We work closely with Terra Firma Risk Management, the response consultants for whom the fees are also covered by the insurance policy.

Office Details

Hardy Guernsey Limited
PO Box 155
Mill Court,
La Charroterie
St Peter Port

Press Releases: 20/10/14: Hardy builds Property and Engineering capability with the hire of two new Senior Underwriters  |  04/09/14: Hardy Appoints Two New Underwriting Experts to Drive Engineering Business in Asia  |  12/08/14: Tom Motamed Appointed Chairman of CNA Europe Board Of Directors  |  07/08/14: David Brosnan Appointed Chief Executive of CNA Europe  |  07/08/14: John Hennessy Appointed President and COO of CNA Canada  |  02/07/14: Hardy Appoints Anna Maria D'Hulster as Non-Executive Director  |  14/05/14: Hardy appoints new Head of Casualty Underwriting  |  19/02/14: Hardy Appoints David Brosnan Chief Executive  |  19/12/13: Hardy Appoints David Stevens Director to Board and Chief Financial Officer  |  21/10/13: Hardy makes senior appointment to its property treaty business  |