Chubb vs Embroker: How Do They Compare for Crime Insurance?

Embroker sells commercial crime as a standalone policy and says pricing depends on employee count, revenue and financial controls; Chubb includes crime as one of seven parts of its ForeFront Portfolio, covering theft by temporary and contracted workers.

Chubb ForeFront targets organizations under 250 employees and $50 million in revenue; Embroker offers standalone crime and lets smaller firms add it to a BOP or D&O policy. ^1,³

What Are the Key Differences Between Chubb and Embroker Crime Insurance?

Crime Events Each Policy Lists

Chubb covers employee theft including temporary and contract workers, client theft and social-engineering fraud; its sheet also lists funds-transfer fraud that the insured’s bank does not reimburse. Embroker lists employee theft, shoplifting, embezzlement, larceny, third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social-engineering fraud. ¹ ³

Exclusions

Embroker says the policy excludes loss of income, indirect losses, crimes by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. Chubb’s reviewed sheet does not publish that exclusion list. ³ ¹

Eligibility

On Chubb Marketplace, ForeFront’s target appetite is organizations with fewer than 250 employees and less than $50 million in revenue. Embroker points to businesses that hire part-time staff, handle cash or inventory, or handle customer data and digital transactions as more exposed. ² ³

What Should You Confirm in Chubb and Embroker Crime Insurance Quotes?

Ask Embroker whether crime is standalone or endorsed onto a BOP or a D&O policy, and which exclusions apply. ³
Confirm you fit Chubb’s ForeFront size band and ask for crime limits the sheet does not publish. ² ¹
Ask Embroker whether the quote is a crime policy or a fidelity bond. ³
Get Embroker’s issuing carrier; Chubb’s sheet names ACE American. ³ ¹

Chubb vs Embroker Crime Insurance Compared

Chubb vs Embroker: Crime Insurance: documented features by provider

Criteria	Chubb ForeFront Portfolio Crime Insurance	Embroker Commercial Crime Insurance
Who It’s For	On Chubb Marketplace, the ForeFront Portfolio's target underwriting appetite is organizations with fewer than 250 employees and less than $50 million in revenue. ¹Company-reported. Online Ease section; applies to Marketplace-quoted ForeFront business generally, not exclusively Crime coverage.	Embroker points to businesses that hire part-time staff, handle cash transactions, manage inventory or expensive equipment, or handle customer data and digital transactions as more exposed and more likely to need the coverage. ³Company-reported. Product-page 'Who benefits most' section; not a formal underwriting appetite statement.
Coverage Features	Chubb lists social engineering fraud, employee theft (including temporary and contracted workers), client theft of a client's money or property by an employee, and funds transfer fraud for losses from fraudulent electronic transfers unreimbursed by the insured's bank. ¹Company-reported. Crime Risks: Real & Rising list; illustrated with claim scenarios, not policy wording.	Embroker lists coverage for employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering fraud. ³Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy excludes loss of income, indirect losses, crimes committed by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. ³Company-reported. Product-page What's not included section. Embroker distinguishes fidelity bonds from crime insurance: it says a crime policy typically carries higher limits, while a fidelity bond can reimburse customers who suffer crime-related damages. ³Company-reported. Product-page FAQ comparing fidelity bonds and commercial crime insurance.
Role in This Line	Chubb underwrites Crime Insurance as one of seven coverage parts within its ForeFront Portfolio for private companies, not-for-profit and healthcare organizations, insuring against theft and embezzlement by trusted employees and outsiders. ¹Company-reported. ForeFront Portfolio Crime Insurance product sheet.	Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add crime coverage as an endorsement to a BOP or a directors and officers policy instead. ³Company-reported. Product-page description; not a statement about the issuing insurer.

Criteria

Chubb ForeFront Portfolio Crime Insurance

Embroker Commercial Crime Insurance

Who It’s For

On Chubb Marketplace, the ForeFront Portfolio's target underwriting appetite is organizations with fewer than 250 employees and less than $50 million in revenue. ¹Company-reported. Online Ease section; applies to Marketplace-quoted ForeFront business generally, not exclusively Crime coverage.

Embroker points to businesses that hire part-time staff, handle cash transactions, manage inventory or expensive equipment, or handle customer data and digital transactions as more exposed and more likely to need the coverage. ³Company-reported. Product-page 'Who benefits most' section; not a formal underwriting appetite statement.

Coverage Features

Chubb lists social engineering fraud, employee theft (including temporary and contracted workers), client theft of a client's money or property by an employee, and funds transfer fraud for losses from fraudulent electronic transfers unreimbursed by the insured's bank. ¹Company-reported. Crime Risks: Real & Rising list; illustrated with claim scenarios, not policy wording.

Embroker lists coverage for employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering fraud. ³Company-reported. Product-page What's covered section; the issued policy and declarations control.

Embroker says the policy excludes loss of income, indirect losses, crimes committed by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. ³Company-reported. Product-page What's not included section.

Embroker distinguishes fidelity bonds from crime insurance: it says a crime policy typically carries higher limits, while a fidelity bond can reimburse customers who suffer crime-related damages. ³Company-reported. Product-page FAQ comparing fidelity bonds and commercial crime insurance.

Role in This Line

Chubb underwrites Crime Insurance as one of seven coverage parts within its ForeFront Portfolio for private companies, not-for-profit and healthcare organizations, insuring against theft and embezzlement by trusted employees and outsiders. ¹Company-reported. ForeFront Portfolio Crime Insurance product sheet.

Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add crime coverage as an endorsement to a BOP or a directors and officers policy instead. ³Company-reported. Product-page description; not a statement about the issuing insurer.