CFC vs 
Travelers: How Do They Compare for Crime Insurance?
Buying from Travelers means an independent agent; it underwrites fidelity and crime through multiple insuring agreements and offers a social engineering fraud endorsement. CFC includes company and client crime in its US package, with a dedicated claims adjuster.
CFC declines California-domiciled and U.S. public companies from its crime package; Travelers sells multiple crime agreements and optional social-engineering cover through independent agents. 1,2,6
What Are the Key Differences Between CFC and Travelers Crime Insurance?
How the Product Is Structured
CFC includes crime in US Management Liability. Travelers offers fidelity and crime through multiple agreements and an optional social-engineering endorsement, sold through independent agents. Choose Travelers if you are a U.S. public company or want an independent-agent quote; choose CFC if your company is not California-domiciled or publicly traded and you want crime in its package. 1 6
Issuing Paper
Travelers’ product-page video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates, noting the specific issuing entity can vary. CFC’s regulatory page discloses FCA authorization and Lloyd’s Syndicate 1988 but does not name the carrier or syndicate that would issue a given US crime policy. 6 4
Public-Company Eligibility
Travelers markets fidelity and crime to nonprofit organizations, private companies and public companies. CFC’s brochure lists California-domiciled business and US publicly traded companies among declined risks for the package that carries this crime coverage. 6 1
Social-Engineering Endorsement
Travelers offers a social-engineering fraud endorsement. CFC’s brochure does not describe a social-engineering fraud endorsement for the crime section. Ask Travelers whether that endorsement is bound; ask CFC whether any social-engineering agreement appears on the form. 6 1
What Should You Confirm in CFC and Travelers Crime Insurance Quotes?
- Ask Travelers which insuring agreements are bound and whether the social-engineering fraud endorsement is included. 6
- Ask which Travelers affiliate issues the policy. 6
- Ask CFC whether California domicile or public-company status is a decline, and whether crime is the management or fintech package. 1 3
- Get limits and retentions from both. 6 1
CFC vs Travelers Crime Insurance Compared
CFC vs Travelers: Crime Insurance: documented features by provider
| Criteria | CFC Crime | Travelers Fidelity & 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. | Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. 6Company-reported. Product page "Who is fidelity and crime coverage right for?" section. |
| 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. | Travelers says the coverage addresses loss from forgery or alteration, loss of money and securities, and reimbursement for claim expenses, protecting against threats such as employee dishonesty and theft, funds transfer fraud, computer fraud, employee fraud and social engineering fraud. 6Company-reported. Product page "What is fidelity and crime coverage?" and "Types of fidelity and crime claims" sections; exact terms and exclusions are set by the issued 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. 1,2Company-reported. Management-liability product page and brochure; package composition as CFC describes it. | Travelers underwrites fidelity and crime coverage through multiple insuring agreements sold under the Management & Professional Liability line, rather than as a single fixed policy. 6Company-reported. Product page "What is fidelity and crime coverage?" section. |
