CFC vs 
The Hartford Crime Insurance
Both place crime inside management-liability packages; CFC declines some US risks, while The Hartford also offers bond and commercial crime in a financial-institutions track.
What Is CFC Insurance?
CFC provides specialty insurance through an MGA model, with technology products for startups through multinational businesses. Its U.S. technology materials describe combined liability and cyber protection, while California eligibility requires product-specific confirmation. 1,2,3,4
What Is The Hartford?
The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. 9,10,11
What Is Crime Insurance?
Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. 13
Key Differences in Crime Insurance
Two Package Homes, Plus a Bank Track at The Hartford
CFC includes crime inside its US Management Liability package and does not present it as standalone within that package. The Hartford’s crime insurance is one of five options in its Private Choice Premier management-liability package, and is also offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. 5 12
Public Companies
CFC’s brochure lists US publicly traded companies among risks it declines for the package that carries this crime coverage, along with California-domiciled 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. 5 12
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. 12 5 7
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. 8 5 4 12
What to Confirm in Crime Insurance Quotes
- Ask The Hartford whether crime is inside Private Choice Premier or the financial-institutions bond and commercial crime track. 12
- Ask CFC whether a public company or California-domiciled business is declined, and whether crime is the management or fintech package. 5 7
- Get crime limits, retentions and issuing entities from both. 5 4 12
- Confirm whether The Hartford’s cash-register-style employee theft example matches the funds-transfer and client-crime exposures you need. 12 5
Offering Details
CFC vs The Hartford Crime Insurance: documented features by provider
| Criteria | CFC Crime | The Hartford 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. 5,6Company-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. 12Company-reported. Management liability product page as read 2026-09-23. |
| Issuing Insurer | CFC's regulatory page discloses CFC Underwriting Limited's FCA authorization and CFC's Lloyd's Syndicate 1988, managed by Asta Managing Agency Ltd, but neither the regulatory page nor the management-liability brochure names the carrier or syndicate that would issue a given US crime policy. 4,5Not publicly disclosed. Regulatory information page and brochure as read on 2026-09-23. | Not described in the reviewed sources. |
| 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. 5Company-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. 12Company-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. 5Company-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. 5Company-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. 7,5Company-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. 12Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls. |
| Limits and Retentions | The reviewed brochure does not publish a dollar limit, sublimit or retention for crime coverage. Those figures appear only on the quote and declarations. 5Not publicly disclosed. Brochure as read on 2026-09-23. | Not described in the reviewed sources. |
| 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. 8Company-reported. Claims page as read on 2026-09-23; not specific to crime claim outcomes or timing. | Not described in the reviewed sources. |
Full Comparison
More CFC vs The Hartford Comparisons
Other Crime Insurance Comparisons
Sources
CFC
- About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
- Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
- Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
- Regulatory information. CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
- Management liability — United States product brochure. CFC; Crime cover; At a glance: What we like; What we decline; What else is in the policy? Accessed 2026-09-23.
- Management liability. CFC; Our management liability products: Management liability, Side A DIC. Accessed 2026-09-23.
- Fintech insurance. CFC; What does CFC's fintech policy cover? Crime coverage for employee infidelity and third-party fraud. Accessed 2026-09-23.
- Claims. CFC; Notify a claim or cyber incident; We're in it with you. Accessed 2026-09-23.
The Hartford
- Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
- SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
- Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
- Management Liability Insurance | Get a Quote. The Hartford; Crime Insurance section; Who Does Management Liability Insurance Protect?; Management and Professional Liability Insurance for Financial Institutions (Bond and commercial crime (fidelity)). Accessed 2026-09-23.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
