CFC vs USI Insurance Services: How Do They Compare for Crime Insurance?

CFC includes crime, covering employee theft and client fraud, in its US Management Liability package; USI Insurance Services brokers crime, standalone or checked within ExecuSafe, and its Business Services practice targets janitorial, staffing and printing companies.

CFC declines California-domiciled and U.S. public companies from its crime package; USI places standalone crime or reviews existing management-liability coverage through ExecuSafe. ^1,^2,^6,⁷

What Are the Key Differences Between CFC and USI Insurance Services Crime Insurance?

Package Versus Broker Placement

CFC includes crime in its US Management Liability package. USI brokers standalone crime or reviews existing cover through ExecuSafe as part of management liability. Choose CFC if you qualify and want packaged crime; choose USI if you need a new placement or want a broker to identify gaps in your current cover. ¹ ⁶ ⁷

Eligibility

USI’s Business Services practice, which lists crime, targets service trades such as janitorial and staffing work. 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

Cover Descriptions

USI describes the crime it brokers as covering losses from employee theft and related fraud. CFC’s brochure names employee theft, funds-transfer fraud, credit-card and currency fraud, client crime, and on- or off-premises theft. USI’s pages stay at that short description; CFC’s brochure is where those named agreements appear. ⁶ ¹

What Should You Confirm in CFC and USI Insurance Services Crime Insurance Quotes?

Ask USI whether crime is a standalone placement or an ExecuSafe gap review. ⁶ ⁷
Ask CFC whether California domicile or public-company status is a decline, and whether crime is the management or fintech package. ¹ ³
Get the issuing insurer from both. ⁶ ⁴
Get crime limits and retentions; neither reviewed set publishes them. ⁶ ¹

CFC vs USI Insurance Services Crime Insurance Compared

CFC vs USI Insurance Services: Crime Insurance: documented features by provider

Criteria	CFC Crime	USI Crime Insurance Brokerage
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.	USI's Business Services practice, which lists crime coverage, says it targets building and maintenance, repair service, janitorial, staffing and printing companies, citing employee errors and misconduct as one of the risk exposures it addresses for them. ⁶Company-reported. Company description of client base.
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.	USI lists crime among the coverages it places for business-services clients, and its ExecuSafe review checks a client's existing crime coverage as part of a broader management liability review. ^6,⁷Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements 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.	USI brokers crime insurance, which covers losses from employee theft and related fraud, either as a standalone placement or as part of a management liability review under ExecuSafe. ^6,⁷Company-reported. Business Services catalogue and ExecuSafe article.

Criteria

CFC Crime

USI Crime Insurance Brokerage

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.

USI's Business Services practice, which lists crime coverage, says it targets building and maintenance, repair service, janitorial, staffing and printing companies, citing employee errors and misconduct as one of the risk exposures it addresses for them. ⁶Company-reported. Company description of client base.

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.

USI lists crime among the coverages it places for business-services clients, and its ExecuSafe review checks a client's existing crime coverage as part of a broader management liability review. ^6,⁷Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements 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.

USI brokers crime insurance, which covers losses from employee theft and related fraud, either as a standalone placement or as part of a management liability review under ExecuSafe. ^6,⁷Company-reported. Business Services catalogue and ExecuSafe article.