CFC vs 
Coverdash: How Do They Compare for Crime Insurance?
For a business that handles money, payroll or valuable inventory, Coverdash, a broker, offers a fully digital quote-to-purchase process; CFC includes employee theft and funds transfer fraud cover in its US management liability package.
CFC sells crime only as part of its US management-liability package and declines California-domiciled and US public companies; Coverdash brokers standalone commercial crime you can quote and buy online if you handle money, payroll or valuable inventory. 1,2,6
What Are the Key Differences Between CFC and Coverdash Crime Insurance?
Package With Management Liability vs Standalone Online Purchase
At CFC, crime comes inside the US Management Liability package, so you buy it alongside the other management-liability covers rather than on its own; CFC also sells separate crime cover for employee infidelity and third-party fraud in its fintech package. Coverdash is a broker with a fully digital quote-to-purchase flow for commercial crime, and you can add other coverages in the same session. Choose CFC if you want crime bundled with management liability and are neither California-domiciled nor publicly traded; choose Coverdash if you want crime alone, bought online, or CFC declines you. 1 3 6 7
What Each Covers
Both name employee theft, funds-transfer fraud and counterfeit currency. CFC adds credit-card fraud, client crime (fraud by your clients or their staff) and on- and off-premises theft. Coverdash adds forged checks and social-engineering losses, where an employee is tricked into sending money. Coverdash sells cyber separately and doesn’t say how a funds-transfer loss is split between the two policies. 1 6 8
Claims and Unknowns
CFC takes US claims by phone, email or online form and says one dedicated adjuster handles each claim start to finish; Coverdash’s reviewed crime pages do not describe a claims process. Neither publishes crime limits or retentions, and neither names the insurer that would issue your policy. 5 4 6
What Should You Confirm in CFC and Coverdash Crime Insurance Quotes?
- Ask CFC whether your crime cover sits in the management package or the fintech package, and whether the wording differs. 1 3
- Get the issuing insurer on both quotes; neither page names it. 6 4
- Ask both for limits, sublimits and retentions. 1 6
- Ask Coverdash how a social-engineering loss is coordinated with a separate cyber policy. 8
CFC vs Coverdash Crime Insurance Compared
CFC vs Coverdash: Crime Insurance: documented features by provider
| Criteria | CFC Crime | Coverdash Commercial Crime Insurance |
|---|---|---|
| Who It’s For | 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. 1Company-reported. Brochure's 'What we decline' list; underwriting still applies to any individual business. | Coverdash markets commercial crime coverage to any business that handles money, payroll or valuable inventory. 6Company-reported. Product-page eligibility description; actual acceptance depends on underwriting. |
| Coverage Features | CFC's brochure describes company crime cover including employee theft, funds transfer fraud, and credit card and currency fraud. 1Company-reported. Brochure's 'Crime cover' description; the issued policy wording determines the actual insuring agreements and any sub-limits. 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. 1Company-reported. Brochure's 'Crime cover' description. 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. 3,1Company-reported. 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. | Coverdash describes commercial crime coverage as protecting against employee theft of money, property or assets, forged checks and counterfeit currency, fraudulent funds-transfer instructions, and losses when an employee is tricked by social engineering into sending funds to a bad actor. 6Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions. |
| Role in This Line | 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. 1,2Company-reported. Management-liability product page and brochure; package composition as CFC describes it. | Coverdash arranges commercial crime coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. 7,6Company-reported. General brokerage terms applied to the crime page; not specific to any one carrier or state. |
