---
title: "Beazley vs CFC: Crime Insurance"
description: "Beazley offers standalone crime up to $25 million; CFC bundles crime with management liability but excludes California-domiciled and U.S. publicly traded companies."
canonical: "https://spot.insure/compare/beazley-vs-cfc/crime"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "beazley-vs-cfc"
provider-a: "beazley"
provider-b: "cfc"
coverage-line: "crime"
---

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[Human-readable page](https://spot.insure/compare/beazley-vs-cfc/crime)

## Agent Guide

**What this page is:** Focused comparison of Beazley and CFC for Crime Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Crime Insurance questions about Beazley versus CFC. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Beazley vs CFC for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Beazley or CFC?
- What does Beazley or CFC publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: Beazley and CFC.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Beazley vs CFC](https://spot.insure/compare/beazley-vs-cfc) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile

# Beazley vs CFC: How Do They Compare for Crime Insurance?

Beazley underwrites commercial crime with a social-engineering insuring agreement and limits up to $25 million; CFC includes crime inside its US Management Liability package, which declines California-domiciled and US public companies.

Beazley publishes a $25 million standalone crime maximum; CFC bundles crime with management liability and excludes California-domiciled and U.S. public companies.

## Beazley vs CFC Crime Insurance Summary

Beazley offers standalone crime up to $25 million; CFC bundles crime with management liability but excludes California-domiciled and U.S. publicly traded companies. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [3](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability")

## What Are the Key Differences Between Beazley and CFC Crime Insurance?

### Standalone Commercial Crime Versus a Package Module

Beazley offers Commercial Crime as a standalone product; CFC includes crime in its US Management Liability package and separately describes employee infidelity and third-party fraud in a fintech package. Choose Beazley if you need a standalone quote; choose CFC if its package fits and you want combined management-liability coverage. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [4](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance")

### Limits You Can See in Public Materials

Beazley advertises Commercial Crime limits of up to US $25,000,000 without publishing retentions or per-agreement sublimits. CFC’s brochure does not publish a dollar limit, sublimit or retention for crime; those figures appear only on the quote and declarations. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

### Appetite and Social Engineering

Beazley markets Commercial Crime to ordinary commercial companies, not banks. CFC’s brochure lists California-domiciled business and US publicly traded companies among risks it declines for the package that carries this crime coverage. Beazley says fraudulent-instruction (social-engineering) cover is included, conditioned on out-of-band authentication of payment instructions. CFC’s brochure describes company crime including employee theft, funds-transfer fraud, and credit-card and currency fraud, plus client crime and on- or off-premises theft, without that out-of-band condition on the reviewed pages. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

### Applications and Claims

Beazley lists a standalone Crime application, a Massachusetts-specific Crime application and a separate Social Engineering application among Tools & Resources. CFC provides a US claim-notification route by phone, email and online form and says a dedicated claims adjuster manages a claim from notification through resolution. Beazley’s product page links to a general claim-notification channel and does not disclose a crime-specific response-time commitment. CFC’s regulatory page does not name the carrier or syndicate that would issue a given US crime policy. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [6](https://www.cfc.com/en-us/claims/ "Claims") [5](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

## What Should You Confirm in Beazley and CFC Crime Insurance Quotes?

- Ask CFC whether crime is inside the management package or the fintech package, and whether California domicile or public-company status blocks the quote. [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [4](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance")
- Ask Beazley for the bound limit versus the advertised $25 million maximum and whether the Social Engineering application applies. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")
- Get CFC’s issuing syndicate or carrier for the US policy. [5](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

## Beazley vs CFC Crime Insurance Compared

| Criteria | Beazley Commercial Crime | CFC Crime |
| --- | --- | --- |
| Who It’s For | Beazley markets Commercial Crime to ordinary commercial companies, not to banks or other financial institutions, which it addresses separately through Financial Fidelity Bonds. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Product page target-customer language; no industry list or size threshold is published..) | CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for the package that carries this crime coverage. [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'What we decline' list; underwriting still applies to any individual business..) |
| Coverage Features | Beazley says Commercial Crime protects an organization from loss of money and securities caused by theft by its own employees, plus third-party-related losses such as forgery or alteration, on-premises and in-transit loss, money-order and counterfeit-currency fraud, computer fraud, client-property loss, credit-card fraud and related expense coverage. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Product-page description of insuring agreements; exclusions, conditions and available sub-limits appear only in the issued policy..)<br><br>Beazley says its Commercial Crime policy includes a fraudulent-instruction (social-engineering) insuring agreement covering losses from wire transfers made on instructions from someone posing as a vendor, client or authorized employee, and that this cover is conditioned on out-of-band authentication of payment instructions. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Product-page description; Beazley says the out-of-band-authentication condition can be removed for insureds with documented controls and response plans, subject to an additional premium..) | CFC's brochure describes company crime cover including employee theft, funds transfer fraud, and credit card and currency fraud. [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'Crime cover' description; the issued policy wording determines the actual insuring agreements and any sub-limits..)<br><br>The brochure also lists client crime, meaning fraud by clients or their staff, and on-premises and off-premises theft, as part of the crime section. [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'Crime cover' description..)<br><br>CFC separately sells crime coverage for employee infidelity and third-party fraud within its fintech package. The reviewed pages do not state whether that fintech crime coverage is the same crime coverage sold inside the management-liability package. [4](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance") [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Fintech product page compared against the management-liability brochure; both accessed 2026-09-23. This does not establish overlap or difference in wording between the two products..) |
| Role in This Line | Beazley underwrites Commercial Crime insurance for commercial companies. The same product page separately describes Financial Fidelity Bonds, a related but distinct product line for financial institutions. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Crime and Fidelity product page; distinguishes the commercial-company product from the financial-institution fidelity bond described on the same page..) | CFC includes crime coverage inside its US Management Liability package. The reviewed management-liability materials do not offer it as a standalone product within that package. [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [3](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") (Evidence: Company-reported; scope: Management-liability product page and brochure; package composition as CFC describes it..) |

## About Beazley and CFC and Crime Insurance

- [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews)
- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Beazley vs CFC Crime Insurance

- [Beazley vs CFC](https://spot.insure/compare/beazley-vs-cfc): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [Beazley Crime Insurance](https://spot.insure/insurance-providers/beazley/crime)
- [CFC Crime Insurance](https://spot.insure/insurance-providers/cfc/crime)

## Sources for Beazley vs CFC Crime Insurance

### Sources About Beazley

1. [Crime and Fidelity](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime). Beazley; What we offer: Commercial Crime for commercial companies; fraudulent-instruction/social-engineering insuring agreement and out-of-band authentication condition; Limits up to US $25,000,000; How can we help; Tools & Resources application forms. Accessed 2026-09-23.

### Sources About CFC

2. [Management liability — United States product brochure](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf). CFC; Crime cover; At a glance: What we like; What we decline; What else is in the policy?. Accessed 2026-09-23.
3. [Management liability](https://www.cfc.com/en-us/products/class/management-liability/). CFC; Our management liability products: Management liability, Side A DIC. Accessed 2026-09-23.
4. [Fintech insurance](https://www.cfc.com/en-us/products/industry/fintech/). CFC; What does CFC's fintech policy cover? Crime coverage for employee infidelity and third-party fraud. Accessed 2026-09-23.
5. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
6. [Claims](https://www.cfc.com/en-us/claims/). CFC; Notify a claim or cyber incident; We're in it with you. Accessed 2026-09-23.

Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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