---
title: "CFC vs Lockton: Crime Insurance"
description: "CFC excludes California-domiciled and U.S. public companies from its package; Lockton places crime for nonprofit, private and public organizations and assigns claims to its Professional & Executive Risk team."
canonical: "https://spot.insure/compare/cfc-vs-lockton/crime"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-lockton"
provider-a: "cfc"
provider-b: "lockton"
coverage-line: "crime"
---

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[Human-readable page](https://spot.insure/compare/cfc-vs-lockton/crime)

## Agent Guide

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

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

**Key facts:**
- Line: Crime Insurance. Providers: CFC and Lockton.
- 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 2026-09-29.

**Related pages:**
- [CFC vs Lockton](https://spot.insure/compare/cfc-vs-lockton) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile

# CFC vs Lockton: How Do They Compare for Crime Insurance?

Lockton places crime and fidelity programs, brokered rather than underwritten by Lockton, for nonprofit, private and public organizations of any sector; CFC includes crime in its US management liability package, not as a standalone product within it.

CFC excludes California-domiciled and U.S. public companies; Lockton brokers crime for nonprofit, private and public organizations with a claims team.

## CFC vs Lockton Crime Insurance Summary

CFC excludes California-domiciled and U.S. public companies from its package; Lockton places crime for nonprofit, private and public organizations and assigns claims to its Professional & Executive Risk team. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [2](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [6](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

## What Are the Key Differences Between CFC and Lockton Crime Insurance?

### Business Eligibility and Claims Handling

CFC includes crime in US Management Liability but declines California-domiciled and U.S. public companies. Lockton serves nonprofit, private and public organizations and assigns crime and fidelity claims to its Professional & Executive Risk Claims team; CFC says a dedicated adjuster manages claims from notice through resolution. Choose Lockton if you need crime arranged for a public company or nonprofit; choose CFC if you meet its eligibility and want its package and dedicated adjuster. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://www.cfc.com/en-us/claims/ "Claims") [6](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

### Financial Institutions and Other Buyers

Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector, calls out small businesses as particularly exposed, and notes that financial institutions are frequently required to carry a financial institution bond, distinct from general crime coverage. CFC’s brochure lists California-domiciled business and US publicly traded companies among declined risks for the package that carries this crime coverage. [6](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

### Claim Types Versus Brochure Agreements

Lockton lists employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social-engineering impersonation fraud involving customers, vendors or employees. CFC’s brochure lists employee theft, funds-transfer fraud, credit-card and currency fraud, client crime, and on- or off-premises theft. [6](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

### Claims Handling

Lockton says its Professional & Executive Risk Claims team, which integrates insurance and claims counsel within the broking team rather than treating claims advocacy as a separate profit center, handles crime and fidelity claims. CFC provides a US claim-notification route by phone, email and online form and says a dedicated claims adjuster manages a claim from notification through resolution. Lockton’s page does not name the insurers it places with; CFC’s regulatory page also does not name the issuer for a given US crime policy. [6](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [5](https://www.cfc.com/en-us/claims/ "Claims") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

## What Should You Confirm in CFC and Lockton Crime Insurance Quotes?

- Ask CFC whether California domicile or public-company status is a decline, and whether crime is the management or fintech package. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [3](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance")
- Get the issuing insurer from both; neither reviewed page names it for a given policy. [6](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

## CFC vs Lockton Crime Insurance Compared

| Criteria | CFC Crime | Lockton Crime and Fidelity Insurance Brokerage |
| --- | --- | --- |
| 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. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'What we decline' list; underwriting still applies to any individual business..) | Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector, and calls out small businesses as particularly exposed because they often lack fraud-prevention and auditing resources. It also notes financial institutions are frequently required to carry a financial institution bond, distinct from general crime coverage. [6](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Crime and Fidelity product page as read 2026-09-23..) |
| Coverage Features | CFC's brochure describes company crime cover including employee theft, funds transfer fraud, and credit card and currency fraud. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'Crime cover' description; the issued policy wording determines the actual insuring agreements and any sub-limits..)<br><br>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. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'Crime cover' description..)<br><br>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](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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..) | Lockton lists the claim types a crime and fidelity program is meant to address: employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social engineering (impersonation) fraud involving customers, vendors or employees. [6](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Product page as read 2026-09-23; a capability/claim-type list, not a specimen policy..) |
| 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [2](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") (Evidence: Company-reported; scope: Management-liability product page and brochure; package composition as CFC describes it..) | Lockton places Crime and Fidelity insurance to protect businesses against financial losses from theft, fraud, forgery and embezzlement by employees or third parties; it describes this as a brokered program, not a policy Lockton underwrites. [6](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Crime and Fidelity product page as read 2026-09-23..) |
| Claims Support | CFC provides a US claim-notification route by phone, email and online form, and says a dedicated claims adjuster manages a claim from notification through resolution. [5](https://www.cfc.com/en-us/claims/ "Claims") (Evidence: Company-reported; scope: Claims page as read on 2026-09-23; not specific to crime claim outcomes or timing..) | Lockton says its Professional & Executive Risk Claims team, which integrates insurance and claims counsel within the broking team rather than treating claims advocacy as a separate profit center, handles Crime and Fidelity claims. [6](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Product page as read 2026-09-23. Describes Lockton's advocacy role, not an insurer's claim-paying obligation..) |

## About CFC and Lockton and Crime Insurance

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/reviews)
- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for CFC vs Lockton Crime Insurance

- [CFC vs Lockton](https://spot.insure/compare/cfc-vs-lockton): 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.
- [CFC Crime Insurance](https://spot.insure/insurance-providers/cfc/crime)
- [Lockton Crime Insurance](https://spot.insure/insurance-providers/lockton/crime)

## Sources for CFC vs Lockton Crime Insurance

### Sources About CFC

1. [Management liability — United States product brochure](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf). CFC; Crime cover; At a glance: What we like; What we decline; What else is in the policy?. Accessed 2026-09-23.
2. [Management liability](https://www.cfc.com/en-us/products/class/management-liability/). CFC; Our management liability products: Management liability, Side A DIC. Accessed 2026-09-23.
3. [Fintech insurance](https://www.cfc.com/en-us/products/industry/fintech/). CFC; What does CFC's fintech policy cover? Crime coverage for employee infidelity and third-party fraud. Accessed 2026-09-23.
4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
5. [Claims](https://www.cfc.com/en-us/claims/). CFC; Notify a claim or cyber incident; We're in it with you. Accessed 2026-09-23.

### Sources About Lockton

6. [Crime and Fidelity Insurance](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance). Lockton; What is Crime and Fidelity Insurance?; Who needs to purchase Crime and Fidelity Insurance?; Types of Crime and Fidelity claims; Claims management. Accessed 2026-09-23.

Updated 2026-09-29. 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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- [Markdown page](https://spot.insure/compare/cfc-vs-lockton/crime.md)
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