Chubb vs 
Travelers: How Do They Compare for Crime Insurance?
Fidelity and crime from Travelers come through an independent agent, with a social engineering fraud endorsement; Chubb offers crime in ForeFront on Chubb Marketplace, targeting organizations under 250 employees and $50 million in revenue.
Chubb ForeFront targets firms below 250 employees and $50 million in revenue with digital binding; Travelers sells multiple fidelity and crime agreements to private, public and nonprofit organizations through agents. 1,3
What Are the Key Differences Between Chubb and Travelers Crime Insurance?
Public, Private and Nonprofit Access Versus Size-Limited Online Binding
Travelers sells fidelity and crime to private, public and nonprofit organizations through independent agents and offers an optional social-engineering endorsement. Chubb’s ForeFront crime option is digitally quoted and bound for firms under 250 employees and $50 million in revenue. Choose Chubb if you meet those limits and want to bind online; choose Travelers if you are a public company or nonprofit and want to purchase through an independent agent. 3 2
Issuing Companies
Chubb’s crime sheet names ACE American Insurance Company and U.S.-based Chubb affiliates. 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. 1 3
Eligibility
On Chubb Marketplace, ForeFront’s target appetite is organizations with fewer than 250 employees and less than $50 million in revenue. Travelers markets fidelity and crime to nonprofit organizations, private companies and public companies. 2 3
How You Buy
ForeFront, including Crime, is available on Chubb Marketplace for digital quoting and binding. Fidelity and crime coverage is bought through a Travelers independent agent. 2 3
What Should You Confirm in Chubb and Travelers Crime Insurance Quotes?
- Ask Travelers which insuring agreements are bound and whether the social-engineering fraud endorsement is included. 3
- Confirm you fit Chubb’s ForeFront size band and get crime limits. 2 1
- Ask which Travelers affiliate issues the policy versus ACE American on the Chubb quote. 3 1
- Get retentions from both; neither page publishes them. 3 1
Chubb vs Travelers Crime Insurance Compared
Chubb vs Travelers: Crime Insurance: documented features by provider
| Criteria | Chubb ForeFront Portfolio Crime Insurance | Travelers Fidelity & 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. | Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. 3Company-reported. Product page "Who is fidelity and crime coverage right for?" section. |
| How to Apply | The ForeFront Portfolio, including Crime coverage, is available on Chubb Marketplace, Chubb's platform for quoting, binding and issuing business digitally. 1,2Company-reported. Online Ease section; agents and brokers use Marketplace to place the policy. | Fidelity and crime coverage is bought through a Travelers independent agent. 3Company-reported. Product page "Find an insurance agent" call to action. |
| 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. | 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. 3Company-reported. 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. |
| 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. | Travelers underwrites fidelity and crime coverage through multiple insuring agreements sold under the Management & Professional Liability line, rather than as a single fixed policy. 3Company-reported. Product page "What is fidelity and crime coverage?" section. |
| Issuing Insurer | Chubb's Crime Insurance product sheet states that insurance is provided by ACE American Insurance Company and its U.S.-based Chubb underwriting company affiliates. 1Company-reported. Product sheet insurer-disclosure footer; product and jurisdiction can still change which Chubb affiliate issues a given policy. | 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. 3Company-reported. Product page video legal footer. |
