CFC vs 
WTW: How Do They Compare for Crime Insurance?
What Is CFC Insurance?
CFC fits technology businesses seeking one eligible package for E&O, cyber, media/IP and general liability; buyers wanting to bind directly online should compare other routes. Its cyber policies may also include 24/7 incident support. 1,2,3,4
What Is WTW?
WTW is an insurance broker whose documented services include manufacturing risk-program design and specialist property and cargo programs. Its marketed property scope includes residential real-estate stakeholders and a separate integrated data-center program; other named capabilities vary in date and geography. 9,10,11,12,13
What Is Crime Insurance?
Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. 15,16,17,18,19
What Are the Key Differences Between CFC and WTW Crime Insurance?
Package context and covered fraud
CFC places crime within its US Management Liability package rather than offering it as a standalone part of that package. Its brochure lists employee theft, funds-transfer fraud, credit-card and currency fraud, plus client crime and on- or off-premises theft. WTW’s FY2024 annual report listed crime solutions within FINEX, but that historical group-level statement does not establish current U.S. availability or these agreements. Ask CFC how the crime section interacts with the rest of management liability, and ask WTW for the policy’s specific insuring agreements. 5 13
Claims handling and availability
CFC describes a dedicated adjuster from notice through resolution, with phone, email, and online notification routes. WTW’s FY2024 annual report lists crime in FINEX but provides only historical, global practice context, not a current U.S. claims route. Confirm whether WTW currently places U.S. crime coverage and, if so, obtain the insurer’s claim-notice instructions before comparing service arrangements. 8 13
What Should You Confirm in CFC and WTW Crime Insurance Quotes?
CFC and WTW Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
CFC Review Score
Review Score
No reviews found
The reviewed sources did not yield customer reviews of CFC; the available survey concerns UK brokers. The one rating we found is from UK brokers: 4.76 out of 5 in Insurance Times’ 2024/25 survey.[4][11]
Read CFC reviewsWTW Review Score
Review Score
1 rated source
WTW has little useful review evidence for a business buyer. Its one counted score is 807 out of 1,000 from a 2017 J.D. Power study of large commercial brokers, and Trustpilot's 2.1 from 9 reviews isn't counted.[4][2]
Read WTW reviewsCFC vs WTW Crime Insurance Compared
CFC vs WTW: Crime Insurance: documented features by provider
| Criteria | CFC Crime | WTW Crime Insurance Brokerage |
|---|---|---|
| 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. | Under WTW's North American Corporate Risk & Broking terms, WTW normally acts as the client's insurance intermediary for engagements governed by those terms. 14Company-reported. Terms for applicable North American Corporate Risk & Broking engagements. WTW also discloses separate insurer-side services in some arrangements; this does not determine the role in a specific engagement. |
| 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 reviewed WTW sources do not identify an issuing insurer for a specific crime placement. 14,13Not publicly disclosed. This is a gap in the cited marketing, annual-report, and brokerage materials; it does not mean WTW lacks insurer markets. Confirm the carrier on the quote and issued policy. |
| 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. | Confirm in your quote. |
| 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. | WTW's FY2024 annual report lists crime insurance solutions within its global Financial, Executive and Professional Risks (FINEX) practice. 13Company-reported. Historical group-level service description only; it does not establish current U.S. availability, insurer, policy form, or a buyer's eligibility. |
| 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 sources do not state a buyer-specific crime limit, retention, or deductible. 14,13Not publicly disclosed. No limit or deductible is inferred from general marketing or WTW's brokerage role; the insurer's quote and issued forms control. |
| Risk Services | Confirm in your quote. | WTW's North American terms describe reviewing binders, policies, and endorsements against the terms negotiated with the insurer. 14Company-reported. Broker document-review process under the cited terms, when WTW handles this line's placement. It does not certify that a policy covers a claim or replace the issued wording. |
| How to Apply | Confirm in your quote. | WTW's North American terms say an insurer quote is not confirmation of coverage; if the client orders binding, WTW seeks a formal insurer commitment, typically a binder. 14Company-reported. Applies to placements governed by the cited North American Corporate Risk & Broking terms. It does not establish a self-service quote route or promise coverage availability for this line. |
| 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. | Confirm in your quote. |
Related Pages for CFC vs WTW Crime Insurance
Crime Insurance Pages for CFC and WTW
Other Coverage Lines Compared for CFC vs WTW
Other Crime Insurance Provider Comparisons
Sources for CFC vs WTW Crime Insurance
Sources About 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.
Sources About WTW
- Manufacturing. WTW; “How WTW can help manufacturers”; “How we serve our clients”; North America licensed-entity disclaimer. Accessed 2026-09-28.
- Digital Infrastructure Protector. WTW; Integrated policy coverage for building, operational property, marine and cargo under one policy; integrated data-center construction/operations; cyber and liability protection in broader solution; separate-policy preference caveat; capacity and North America licensed-entity disclaimer. Accessed 2026-09-29.
- Marine. WTW; “Our solutions” cargo brokerage; marine specialist count; claims advice and average-adjuster service; North America licensed-entity disclaimer. Accessed 2026-09-28.
- Residential | WTW. WTW; “Specialized insurance products”: lists property insurance and financial lines, including errors and omissions; inspected official indexed text 2026-09-29. Direct reader access failed; indexed page crawl was about five months old. Accessed 2026-09-29.
- WTW 2024 Form 10-K. U.S. Securities and Exchange Commission / Willis Towers Watson Public Limited Company; Part I, Item 1, FINEX and Surety business descriptions: the 2024 annual report identifies management and professional liability, employment practices, crime, cyber and M&A insurance solutions, and a global bond-placement team; indexed passages rechecked 2026-09-29. Accessed 2026-09-29.
- Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US). WTW; Document dated 2025-06-01; pp. 4–6: broker/intermediary role, quote versus binding process, review of binders/policies/endorsements, claims reporting and affiliate disclosures. Reused from the current WTW provider source record after direct PDF retrieval was blocked. Accessed 2026-09-28.
Sources for the Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
- Commercial Crime Coverage Application. Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.
