Beazley vs Embroker: How Do They Compare for Crime Insurance?

Embroker sells a standalone crime policy priced on headcount, revenue and controls, without published limits; Beazley advertises limits up to $25 million and adds a fraudulent-instruction agreement for wire fraud.

Beazley suits companies that need high crime limits, advertising up to $25 million with a dedicated social-engineering agreement. Embroker suits smaller businesses that may add crime to an existing BOP or D&O policy instead of buying a separate one. ^1,²

What Are the Key Differences Between Beazley and Embroker Crime Insurance?

Limit Size and How You Buy It

Beazley underwrites Commercial Crime for ordinary commercial companies and advertises limits up to $25 million, with separate Crime, Massachusetts Crime and Social Engineering applications. Embroker sells a standalone crime policy but says smaller businesses sometimes add crime as an endorsement to a BOP or directors and officers policy, and it publishes no standard limits. Choose Beazley if you need a large standalone limit; choose Embroker if you're a smaller business that would rather extend a policy you already carry. ¹ ²

Wire-Fraud Cover and Its Conditions

Beazley's fraudulent-instruction agreement covers wires sent on fake vendor, client or employee instructions, but only if you verify payment instructions through a separate channel; it says documented controls can remove that condition for extra premium. Embroker lists social-engineering fraud among covered losses without describing any such condition. If your team doesn't call back to verify wire changes, that condition decides whether a Beazley claim pays. ¹ ²

Exclusions and Fidelity Bonds

Embroker says its policy excludes lost income, indirect losses, executives colluding with employees, third-party liability and theft of patents, trade secrets or customer lists. It also explains that a fidelity bond, typically 0.5% to 2% of the bond value, can reimburse customers harmed by crime, while crime insurance usually carries higher limits. Beazley keeps fidelity bonds for financial institutions as a separate product and doesn't publish exclusions. ² ¹

What Should You Confirm in Beazley and Embroker Crime Insurance Quotes?

Ask Embroker whether the quote is standalone crime, a BOP or D&O endorsement, or a fidelity bond. ²
Ask Beazley what limit and retention it will actually offer against the $25 million maximum. ¹
Confirm the payment-verification condition on Beazley's social-engineering cover and any sublimit on Embroker's. ¹ ²
Ask Embroker which insurer issues the policy and how you get a crime quote; its page links only to a general quote form. ²

Beazley vs Embroker Crime Insurance Compared

Beazley vs Embroker: Crime Insurance: documented features by provider

Criteria	Beazley Commercial Crime	Embroker Commercial Crime Insurance
Limits and Retentions	Beazley advertises Commercial Crime limits of up to US $25,000,000. The page does not publish retentions, sub-limits by insuring agreement, or a minimum limit. ¹Company-reported. Product-page headline limit figure; the page does not split the figure between Commercial Crime and Financial Fidelity Bonds.	Embroker says crime insurance pricing depends on factors like employee count and locations, revenue, office security measures and financial controls, and that fidelity bonds typically cost 0.5% to 2% of the bond value; it does not publish standard policy limits. ²Company-reported. Product-page 'What does Commercial Crime insurance cost?' section.
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. ¹Company-reported. Product page target-customer language; no industry list or size threshold is published.	Embroker points to businesses that hire part-time staff, handle cash transactions, manage inventory or expensive equipment, or handle customer data and digital transactions as more exposed and more likely to need the coverage. ²Company-reported. Product-page 'Who benefits most' section; not a formal underwriting appetite statement.
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. ¹Company-reported. Product-page description of insuring agreements; exclusions, conditions and available sub-limits appear only in the issued policy. 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. ¹Company-reported. 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.	Embroker lists coverage for employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering fraud. ²Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy excludes loss of income, indirect losses, crimes committed by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. ²Company-reported. Product-page What's not included section. Embroker distinguishes fidelity bonds from crime insurance: it says a crime policy typically carries higher limits, while a fidelity bond can reimburse customers who suffer crime-related damages. ²Company-reported. Product-page FAQ comparing fidelity bonds and commercial crime insurance.
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. ¹Company-reported. Crime and Fidelity product page; distinguishes the commercial-company product from the financial-institution fidelity bond described on the same page.	Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add crime coverage as an endorsement to a BOP or a directors and officers policy instead. ²Company-reported. Product-page description; not a statement about the issuing insurer.