CFC vs 
Travelers Crime Insurance
CFC includes crime in a US management-liability package; Travelers underwrites fidelity and crime through multiple insuring agreements sold via independent agents.
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 Travelers Insurance?
Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability 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
How the Product Is Structured
CFC includes crime inside its US Management Liability package. Travelers underwrites fidelity and crime through multiple insuring agreements sold under the Management & Professional Liability line, rather than as a single fixed policy. 5 12
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. 12 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. 12 5
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. 12 5
What to Confirm in Crime Insurance Quotes
- Ask Travelers which insuring agreements are bound and whether the social-engineering fraud endorsement is included. 12
- Ask which Travelers affiliate issues the policy. 12
- Ask CFC whether California domicile or public-company status is a decline, and whether crime is the management or fintech package. 5 7
- Get limits and retentions from both. 12 5
Offering Details
CFC vs Travelers Crime Insurance: documented features by provider
| Criteria | CFC Crime | Travelers Fidelity & 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. | Travelers underwrites fidelity and crime coverage through multiple insuring agreements sold under the Management & Professional Liability line, rather than as a single fixed policy. 12Company-reported. Product page "What is fidelity and crime coverage?" section. |
| 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. | The product page's video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. 12Company-reported. Product page video legal footer. |
| 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. | Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. 12Company-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. 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. | 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. 12Company-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. |
| 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. | The reviewed page does not publish limits, deductibles or premiums for fidelity and crime coverage; it cites a median fraud loss of $130,000 and says at least one in five cases costs $1 million or more as general risk context, not as policy terms. 12Not found in reviewed sources. Product page video statistics and general text as read on 2026-09-23. |
| Risk Services | Not described in the reviewed sources. | Travelers offers a social engineering fraud endorsement and publishes guidance such as "Coverage 101" and social-engineering protection resources alongside the product. 12Company-reported. Product page Resources section. |
| How to Apply | Not described in the reviewed sources. | Fidelity and crime coverage is bought through a Travelers independent agent. 12Company-reported. Product page "Find an insurance agent" call to action. |
| 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 Travelers 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.
Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Fidelity & Crime Insurance. Travelers; What is fidelity and crime coverage?; Who is fidelity and crime coverage right for?; Types of fidelity and crime claims; video legal footer naming Travelers Casualty and Surety Company of America. Accessed 2026-09-23.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
