Beazley vs 
Zurich U.S.: How Do They Compare for Crime Insurance?
What Is Beazley?
Beazley’s MediaTech combines technology E&O, media and cyber, while Execuguard offers separate or shared executive-risk limits; small businesses seeking a quick standard quote should compare digital carriers. 1,2,3,4
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 6,7
What Is Crime Insurance?
Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. 9,10,11,12,13
Key Differences in Crime Insurance
Limits and social-engineering safeguards
Beazley advertises commercial crime limits up to $25 million and says its fraudulent-instruction coverage applies to wire transfers directed by someone posing as a vendor, client or employee, subject to out-of-band authentication. Zurich describes computer-fraud and funds-transfer fraud coverage for direct losses involving fraudulent transfers, but the reviewed summary does not publish a limit. Organizations should compare the authentication condition and request Zurich’s applicable limits and policy wording before relying on either figure. 5 8
Product route and crime-risk support
Beazley underwrites commercial crime for commercial companies and lists separate crime and social-engineering application forms; financial institutions are addressed through a distinct financial fidelity bond product. Zurich offers crime as a standalone policy or package and describes Zurich Resilience Solutions crime-risk assessments. Buyers should confirm the correct Beazley product for their organization type and ask Zurich what assessment is available for the account. 5 8
What to Confirm in Crime Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Beazley
Review Score
1 rated source
Beazley’s available customer feedback is mixed, with a 2.8/5 WalletHub rating from 15 reviews. That small, mixed-product sample gives business buyers limited guidance.[3][9]
Read Beazley reviewsZurich U.S.
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsOffering Details
Beazley vs Zurich U.S.: Crime Insurance: documented features by provider
| Criteria | Beazley Commercial Crime | Zurich 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. 5Company-reported. Crime and Fidelity product page; distinguishes the commercial-company product from the financial-institution fidelity bond described on the same page. | Confirm in your quote. |
| 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. 5Company-reported. Product page target-customer language; no industry list or size threshold is published. | Zurich offers commercial crime insurance as standalone policies and as package solutions for public and private companies. 8Company-reported. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. Product structure and company class only; terms, underwriting and availability vary. |
| 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. 5Company-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. 5Company-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. | Zurich describes employee-theft coverage for direct loss or damage to money, securities or property caused by employee theft or forgery. 8Company-reported. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. Summary only; form definitions, exclusions, limits and conditions control. Zurich describes computer-fraud losses as loss of or damage to money, securities or property resulting directly from computer use to fraudulently cause a transfer originating from the insured’s business or banking premises. It separately describes Funds Transfer Fraud as direct loss of money or securities from fraudulent instructions to a financial institution to transfer funds from the insured’s transfer account. Policy forms govern. 8Company-reported. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. These are the page’s summary descriptions, not policy definitions. Actual definitions, causation requirements, exclusions and limits are in policy forms. |
| 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. 5Company-reported. Product-page headline limit figure; the page does not split the figure between Commercial Crime and Financial Fidelity Bonds. | Confirm in your quote. |
| Risk Services | Beazley says its underwriting and claims professionals for this line work side by side so that, when a claim arises, the original underwriting intent of the policy is respected. 5Company-reported. Company-stated internal process description; no independent claims-handling outcome data is provided. | Zurich Resilience Solutions offers crime-risk assessment services intended to identify vulnerabilities, followed by specialist recommendations for crime resilience. 8Company-reported. Zurich U.S. brand; exact risk-service provider/issuer relationship not mapped; Commercial Crime Insurance risk-assessment service; United States. Company-described service; no guarantee of loss prevention and no insured coverage grant. |
| How to Apply | Beazley lists a standalone Crime application, a Massachusetts-specific Crime application and a separate Social Engineering application among its Tools & Resources, distinct from the Financial Fidelity Bond application forms on the same page. 5Company-reported. Tools & Resources section of the product page; the page does not describe an online quote or self-service purchase flow. | Confirm in your quote. |
| Claims Support | The product page links to Beazley's general claim-notification channel for this line. It does not disclose a claims response-time commitment or a dedicated claims-handling process specific to Commercial Crime. 5Not publicly disclosed. Product page "Notify a Claim" link as read on 2026-09-23; response times were not found. | Confirm in your quote. |
Full Comparison
More Beazley vs Zurich U.S. Comparisons
Other Crime Insurance Comparisons
Sources
Beazley
- MediaTech for Small Businesses. Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
- Legal Information. Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
- Execuguard (Combined EPL, D&O, and Fiduciary). Beazley; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16.
- Virtual Care. Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
- Crime and Fidelity. 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.
Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Commercial Crime & Fidelity Insurance Coverage | Zurich U.S. Zurich U.S.; Crime product, standalone/package availability, loss examples, risk assessment services. Accessed 2026-09-28.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
- Commercial Crime Coverage Application. Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.
