---
title: "CFC vs The Hartford: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/cfc-vs-the-hartford/crime"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-the-hartford"
provider-a: "cfc"
provider-b: "the-hartford"
coverage-line: "crime"
---

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

## Agent Guide

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

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

**Key facts:**
- Line: Crime Insurance. Providers: CFC and The Hartford.
- 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 The Hartford](https://spot.insure/compare/cfc-vs-the-hartford) — 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
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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; The Hartford offers a crime package for private, public and nonprofit buyers plus a bank track.

## CFC vs The Hartford Crime Insurance Summary

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](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://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [6](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")


### 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](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [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")

### 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](https://www.cfc.com/en-us/claims/ "Claims") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [6](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## 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](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Ask CFC whether a public company or California-domiciled business is declined, 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 crime limits, retentions and issuing entities from both. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [6](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Confirm whether The Hartford’s cash-register-style employee theft example matches the funds-transfer and client-crime exposures you need. [6](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

## CFC vs The Hartford Crime Insurance Compared

| 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. [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..) | The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. [6](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: 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. [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..) | 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. [6](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: 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](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..) | 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. [6](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23..) |

## About CFC and The Hartford and Crime Insurance

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

## Related Pages for CFC vs The Hartford Crime Insurance

- [CFC vs The Hartford](https://spot.insure/compare/cfc-vs-the-hartford): 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)
- [The Hartford Crime Insurance](https://spot.insure/insurance-providers/the-hartford/crime)

## Sources for CFC vs The Hartford 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 The Hartford

6. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). 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.

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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