CFC vs 
Embroker: How Do They Compare for Crime Insurance?
Embroker's crime policy is standalone and lists what it excludes, such as loss of income and indirect losses; CFC includes crime, with client crime and on- and off-premises theft, in its US management liability package.
CFC bundles crime with US Management Liability; Embroker sells standalone crime and lists exclusions for income loss and executive-coordinated crime. 1,2,6
What Are the Key Differences Between CFC and Embroker Crime Insurance?
Management-Liability Package Versus Standalone or Add-On
CFC includes crime in its US Management Liability package. Embroker offers standalone commercial crime and says smaller businesses may add it as an endorsement to a businessowners or D&O policy. Choose CFC if you qualify and want crime within management liability; choose Embroker if you need a standalone crime quote or policy add-on. 1 6
Named Agreements
CFC’s brochure describes company crime including employee theft, funds-transfer fraud, and credit-card and currency fraud, plus client crime and on- or off-premises theft. Embroker lists employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social-engineering fraud. 1 6
Exclusions
Embroker says the policy excludes loss of income, indirect losses, crimes 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. CFC’s brochure does not publish an exclusion list for the crime section. 6 1
Eligibility
CFC’s brochure lists California-domiciled business and US publicly traded companies among declined risks for the package that carries this crime coverage. Embroker points to businesses that hire part-time staff, handle cash or inventory, or handle customer data and digital transactions as more exposed. 1 6
What Should You Confirm in CFC and Embroker Crime Insurance Quotes?
- Ask Embroker whether crime is standalone or endorsed onto a BOP or a D&O policy, and which exclusions apply. 6
- Ask CFC whether the quote is the management package or the fintech package, and whether California or public-company status is a decline. 1 3
- Ask Embroker whether the quote is a crime policy or a fidelity bond. 6
- Get limits, retentions and the issuing carrier from both. 1 4 6
CFC vs Embroker Crime Insurance Compared
CFC vs Embroker: Crime Insurance: documented features by provider
| Criteria | CFC Crime | Embroker 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. | 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. 6Company-reported. Product-page 'Who benefits most' section; not a formal underwriting appetite statement. |
| 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. | 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. 6Company-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. 6Company-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. 6Company-reported. Product-page FAQ comparing fidelity bonds and commercial crime insurance. |
| 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. | 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. 6Company-reported. Product-page description; not a statement about the issuing insurer. |
