Beazley vs The Hartford: How Do They Compare for Crime Insurance?

The Hartford offers crime as one of five options in its Private Choice Premier management-liability package, open to nonprofits and public or private companies; Beazley underwrites Commercial Crime, advertising limits up to $25,000,000.

Beazley offers standalone crime up to $25 million; The Hartford includes crime in Private Choice Premier for private, public and nonprofit companies or on a financial-institutions track. ^1,²

What Are the Key Differences Between Beazley and The Hartford Crime Insurance?

Standalone Policy Versus Private Choice Package

Beazley offers standalone Commercial Crime, advertises limits up to $25 million and markets the product to ordinary commercial businesses, not banks. The Hartford includes crime among the five options in Private Choice Premier for nonprofits, privately held companies and publicly traded companies; it offers separate bond and commercial-crime coverage on its financial-institutions track. Choose Beazley if you need a standalone crime policy with a published maximum; choose The Hartford if your company fits one of its named buyer groups and wants crime in Private Choice Premier. ¹ ²

How Much the Public Pages Specify

Beazley advertises limits of up to US $25,000,000 and lists employee theft of money and securities, forgery, on-premises and in-transit loss, computer fraud, client-property loss, credit-card fraud and fraudulent-instruction cover conditioned on out-of-band authentication. The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. The Hartford’s reviewed management-liability materials do not publish a crime dollar limit in the extracted claims. ¹ ²

What Should You Confirm in Beazley and The Hartford Crime Insurance Quotes?

Ask The Hartford whether crime is inside Private Choice Premier or on the financial-institutions bond and commercial-crime track. ²
Ask Beazley for the bound limit versus $25 million advertised and whether you belong on Financial Fidelity Bonds. ¹
Confirm whether social-engineering, computer fraud and client-property loss, which Beazley lists, appear on The Hartford form beyond employee theft, forgery or robbery. ¹ ²
Get the writing company and retention from both quotes. ¹ ²

Beazley vs The Hartford Crime Insurance Compared

Beazley vs The Hartford: Crime Insurance: documented features by provider

Criteria	Beazley Commercial Crime	The Hartford Crime Insurance
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.	The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. ²Company-reported. Management liability product page as read 2026-09-23.
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.	The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. ²Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.
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.	The Hartford's crime insurance is one of five options in its Private Choice Premier management-liability package, and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. ²Company-reported. Management liability product page as read 2026-09-23.

Criteria

Beazley Commercial Crime

The Hartford Crime Insurance

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.

The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. ²Company-reported. Management liability product page as read 2026-09-23.

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.

The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. ²Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.

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.

The Hartford's crime insurance is one of five options in its Private Choice Premier management-liability package, and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. ²Company-reported. Management liability product page as read 2026-09-23.