---
title: "CFC vs Travelers Crime Insurance"
description: "CFC includes crime in a US management-liability package; Travelers underwrites fidelity and crime through multiple insuring agreements sold via independent agents."
canonical: "https://spot.insure/compare/cfc-vs-travelers/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# 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.

## Research Scope and Use

Use this comparison to evaluate CFC and Travelers for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

CFC includes crime inside its US Management Liability package and lists California-domiciled and US public companies among declined risks. Travelers underwrites fidelity and crime through multiple insuring agreements, names Travelers Casualty and Surety Company of America and affiliates, and sells the coverage through independent agents. [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [6](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")

## 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](https://www.cfc.com/en-us/company/ "About CFC") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

[CFC profile](https://spot.insure/insurance-providers/cfc)

## 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](https://www.travelers.com/business-insurance/technology "Technology Insurance") [10](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [11](https://www.travelers.com/contact-us "Contact Us")

[Travelers profile](https://spot.insure/insurance-providers/travelers)

## What Is Crime Insurance?

Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [13](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")

### 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](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

### 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](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

### 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](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

## What to Confirm in Crime Insurance Quotes

- Ask Travelers which insuring agreements are bound and whether the social-engineering fraud endorsement is included. [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")
- Ask which Travelers affiliate issues the policy. [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")
- Ask CFC whether California domicile or public-company status is a decline, and whether crime is the management or fintech package. [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [7](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance")
- Get limits and retentions from both. [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

## Offering Details

| 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [6](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..) | Travelers underwrites fidelity and crime coverage through multiple insuring agreements sold under the Management & Professional Liability line, rather than as a single fixed policy. [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: 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](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Not publicly disclosed; scope: 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. [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: 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. [5](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..) | Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: 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. [5](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. [5](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. [7](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance") [5](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..) | 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. [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: 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. [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Not publicly disclosed; scope: 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. [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Not found in reviewed sources; scope: 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. [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: Product page Resources section..) |
| How to Apply | Not described in the reviewed sources. | Fidelity and crime coverage is bought through a Travelers independent agent. [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.cfc.com/en-us/claims/ "Claims") (Evidence: Company-reported; scope: Claims page as read on 2026-09-23; not specific to crime claim outcomes or timing..) | Not described in the reviewed sources. |

## Full Comparison

- [CFC vs Travelers](https://spot.insure/compare/cfc-vs-travelers): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud.
- [CFC vs Travelers Commercial Property Insurance](https://spot.insure/compare/cfc-vs-travelers/commercial-property)
- [CFC vs Travelers Cyber Insurance](https://spot.insure/compare/cfc-vs-travelers/cyber)
- [CFC vs Travelers D&O Insurance](https://spot.insure/compare/cfc-vs-travelers/directors-officers)
- [CFC vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-travelers/employment-practices)
- [CFC vs Travelers General Liability Insurance](https://spot.insure/compare/cfc-vs-travelers/general-liability)
- [CFC vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-travelers/kidnap-ransom)
- [CFC vs Travelers Management Liability Insurance](https://spot.insure/compare/cfc-vs-travelers/management-liability)
- [CFC vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/cfc-vs-travelers/professional-errors-omissions)
- [CFC vs Travelers Tech E&O Insurance](https://spot.insure/compare/cfc-vs-travelers/technology-errors-omissions)
- [CFC vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-travelers/umbrella-excess)
- [Alliance Risk vs CFC Crime Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/crime)
- [Alliance Risk vs Travelers Crime Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/crime)
- [Beazley vs CFC Crime Insurance](https://spot.insure/compare/beazley-vs-cfc/crime)
- [Beazley vs Travelers Crime Insurance](https://spot.insure/compare/beazley-vs-travelers/crime)
- [CFC vs Chubb Crime Insurance](https://spot.insure/compare/cfc-vs-chubb/crime)
- [CFC vs Coalition Crime Insurance](https://spot.insure/compare/cfc-vs-coalition/crime)

## Sources

### CFC

1. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
2. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
3. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
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. [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.
6. [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.
7. [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.
8. [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.

### Travelers

9. [Technology Insurance](https://www.travelers.com/business-insurance/technology). 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.
10. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). 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.
11. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
12. [Fidelity & Crime Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime). 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

13. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.

Updated 2026-09-23. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cfc-vs-travelers/crime.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)