---
title: "Beazley vs The Hartford: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/beazley-vs-the-hartford/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "beazley-vs-the-hartford"
provider-a: "beazley"
provider-b: "the-hartford"
coverage-line: "crime"
---

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

## Agent Guide

**What this page is:** Focused comparison of Beazley and The Hartford 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 The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Crime Insurance. Providers: Beazley and The Hartford.
- 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 2026-09-25.

**Related pages:**
- [Beazley vs The Hartford](https://spot.insure/compare/beazley-vs-the-hartford) — 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
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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 publishes a $25 million standalone crime maximum; The Hartford packages crime with management liability or offers it on a financial-institutions track.

## Beazley vs The Hartford Crime Insurance Summary

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](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## 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](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

### 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](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")


## 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](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Ask Beazley for the bound limit versus $25 million advertised and whether you belong on Financial Fidelity Bonds. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")
- 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](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Get the writing company and retention from both quotes. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## Beazley vs The Hartford Crime Insurance Compared

| 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. [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..) | The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: 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. [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..) | 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. [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: 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. [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..) | 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. [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23..) |

## About Beazley and The Hartford and Crime Insurance

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

## Related Pages for Beazley vs The Hartford Crime Insurance

- [Beazley vs The Hartford](https://spot.insure/compare/beazley-vs-the-hartford): 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)
- [The Hartford Crime Insurance](https://spot.insure/insurance-providers/the-hartford/crime)

## Sources for Beazley vs The Hartford 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 The Hartford

2. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Crime Insurance section; Who Does Management Liability Insurance Protect?; Management and Professional Liability Insurance for Financial Institutions (Bond and commercial crime (fidelity)). Accessed 2026-09-23.

Updated 2026-09-25. 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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