Chubb vs 
Lockton: How Do They Compare for Crime Insurance?
Chubb puts crime in its ForeFront Portfolio on Chubb Marketplace, targeting organizations under 250 employees; Lockton places crime and fidelity as a brokered program and has a claims team within its broking team.
Chubb ForeFront digitally binds crime for firms below 250 employees and $50 million in revenue; Lockton brokers crime and fidelity through its Professional & Executive Risk claims team. 1,3
What Are the Key Differences Between Chubb and Lockton Crime Insurance?
Broker Claims Team Versus Digital Binding
Lockton serves nonprofit, private and public organizations, and says its Professional & Executive Risk Claims team integrates insurance and claims counsel into the broking team to handle crime and fidelity claims. Chubb Marketplace targets organizations under 250 employees and $50 million in revenue, with digital quote and bind; its reviewed materials do not describe a comparable claims-advocacy team. Choose Lockton if you want a broker and a named team to advocate on a crime claim; choose Chubb if your company fits the size caps and online binding is your priority. 3 2
Cover Lists and Paper
Lockton lists employee theft, forgery or alteration, theft on or off premises, computer fraud, counterfeit currency, and social-engineering impersonation fraud. Chubb lists social-engineering fraud, employee theft including temporary and contracted workers, client theft, and funds-transfer fraud, and names ACE American and affiliates. Lockton’s page does not name the insurers it places with. ForeFront, including Crime, is available on Chubb Marketplace. 3 1 2
What Should You Confirm in Chubb and Lockton Crime Insurance Quotes?
- Ask Lockton whether you need a financial institution bond rather than general crime and fidelity. 3
- Confirm you fit Chubb’s ForeFront size band and get crime limits. 2 1
- Ask how Lockton’s Professional & Executive Risk Claims team would handle a crime loss. 3
- Get Lockton’s issuing insurer; Chubb’s sheet names ACE American. 3 1
Chubb vs Lockton Crime Insurance Compared
Chubb vs Lockton: Crime Insurance: documented features by provider
| Criteria | Chubb ForeFront Portfolio Crime Insurance | Lockton Crime and Fidelity Insurance Brokerage |
|---|---|---|
| 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. | Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector, and calls out small businesses as particularly exposed because they often lack fraud-prevention and auditing resources. It also notes financial institutions are frequently required to carry a financial institution bond, distinct from general crime coverage. 3Company-reported. Crime and Fidelity product page as read 2026-09-23. |
| 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. | Lockton lists the claim types a crime and fidelity program is meant to address: employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social engineering (impersonation) fraud involving customers, vendors or employees. 3Company-reported. Product page as read 2026-09-23; a capability/claim-type list, not a specimen policy. |
| 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. | Lockton places Crime and Fidelity insurance to protect businesses against financial losses from theft, fraud, forgery and embezzlement by employees or third parties; it describes this as a brokered program, not a policy Lockton underwrites. 3Company-reported. Crime and Fidelity product page as read 2026-09-23. |
