CFC vs The Hartford: How Do They Compare for Crime Insurance?

Nonprofit, public and private firms can get crime from The Hartford as one of five options in its Private Choice Premier package; CFC includes it in its US Management Liability package, which declines California-domiciled business and US publicly traded companies.

CFC excludes California-domiciled and U.S. public companies from its management-liability package; The Hartford offers crime in Private Choice Premier to private, public and nonprofit buyers, plus a financial-institutions track. ^1,^2,⁶

What Are the Key Differences Between CFC and The Hartford Crime Insurance?

Management-Liability Package Versus Private Choice and Bank Tracks

CFC includes crime in US Management Liability but declines California-domiciled and U.S. public companies. The Hartford offers crime in Private Choice Premier for private companies, publicly traded companies and nonprofits, plus separate commercial-crime and bond options for financial institutions. Choose The Hartford if you are a public company or nonprofit seeking a management-liability package, or a financial institution needing its separate track; choose CFC if you meet its company eligibility and want crime within US Management Liability. ¹ ⁶

How Each Describes the Cover

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. CFC’s brochure lists employee theft, funds-transfer fraud, credit-card and currency fraud, client crime, and on- or off-premises theft, and separately sells crime inside a fintech package. ⁶ ¹ ³

Claims and Limits on the Reviewed Pages

CFC provides a US claim-notification route and a dedicated claims adjuster. CFC’s brochure does not publish a dollar limit or retention for crime. The Hartford’s reviewed management-liability page does not publish crime limits either. CFC’s regulatory page does not name the issuer for a given US crime policy. ⁵ ¹ ⁴ ⁶

What Should You Confirm in CFC and The Hartford Crime Insurance Quotes?

Ask The Hartford whether crime is inside Private Choice Premier or the financial-institutions bond and commercial crime track. ⁶
Ask CFC whether a public company or California-domiciled business is declined, and whether crime is the management or fintech package. ¹ ³
Get crime limits, retentions and issuing entities from both. ¹ ⁴ ⁶
Confirm whether The Hartford’s cash-register-style employee theft example matches the funds-transfer and client-crime exposures you need. ⁶ ¹

CFC vs The Hartford Crime Insurance Compared

CFC vs The Hartford: Crime Insurance: documented features by provider

Criteria	CFC Crime	The Hartford 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.	The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. ⁶Company-reported. Management liability 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. 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.	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. ⁶Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.
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.	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. ⁶Company-reported. Management liability product page as read 2026-09-23.

Criteria

CFC Crime

The Hartford 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.

The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. ⁶Company-reported. Management liability 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. 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.

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. ⁶Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.

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.

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. ⁶Company-reported. Management liability product page as read 2026-09-23.