---
title: "Chubb vs Travelers Crime Insurance"
description: "Chubb underwrites ForeFront crime on ACE American paper via Marketplace; Travelers underwrites fidelity and crime through multiple agreements sold by independent agents."
canonical: "https://spot.insure/compare/chubb-vs-travelers/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/chubb-vs-travelers/crime)

# Chubb vs Travelers Crime Insurance

Chubb underwrites ForeFront crime on ACE American paper via Marketplace; Travelers underwrites fidelity and crime through multiple agreements sold by independent agents.

## Research Scope and Use

Use this comparison to evaluate Chubb and Travelers for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Chubb underwrites Crime as a ForeFront Portfolio part on ACE American paper for organizations under 250 employees and $50 million in revenue. Travelers underwrites fidelity and crime through multiple insuring agreements, names Travelers Casualty and Surety Company of America and affiliates, and sells the coverage through independent agents. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") [9](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")

## What Is Chubb?

Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## What Is Travelers Insurance?

Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. [6](https://www.travelers.com/business-insurance/technology "Technology Insurance") [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [8](https://www.travelers.com/contact-us "Contact Us")

[Travelers profile](https://spot.insure/insurance-providers/travelers)

## What Is Crime Insurance?

Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### Product Structure

Chubb underwrites Crime as one of seven ForeFront Portfolio parts. Travelers underwrites fidelity and crime through multiple insuring agreements sold under Management & Professional Liability, rather than as a single fixed policy. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") [5](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [9](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")

### 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. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") [9](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")

### 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. [5](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [9](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")

### 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. [5](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [9](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")

## What to Confirm in Crime Insurance Quotes

- Ask Travelers which insuring agreements are bound and whether the social-engineering fraud endorsement is included. [9](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")
- Confirm you fit Chubb’s ForeFront size band and get crime limits. [5](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance")
- Ask which Travelers affiliate issues the policy versus ACE American on the Chubb quote. [9](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance")
- Get retentions from both; neither page publishes them. [9](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance")

## Offering Details

| Criteria | Chubb ForeFront Portfolio Crime Insurance | Travelers Fidelity & 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. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") (Evidence: Company-reported; scope: 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. [9](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") (Evidence: Company-reported; scope: 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. [9](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: Product page video legal footer..) |
| 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. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") (Evidence: Company-reported; scope: 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. [9](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: Product page "Who is fidelity and crime coverage right for?" section..) |
| 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. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") (Evidence: Company-reported; scope: 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. [9](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: 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..) |
| Limits and Retentions | The reviewed product sheet illustrates claim scenarios with losses ranging from over $100,000 to over $1 million but does not publish specific policy limits, sublimits or retentions for Crime coverage. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") (Evidence: Not found in reviewed sources; scope: Crime Insurance product sheet as read on 2026-09-23; illustrative claim examples, not policy terms..) | The reviewed page does not publish limits, deductibles or premiums for fidelity and crime coverage; it cites a median fraud loss of $130,000 and says at least one in five cases costs $1 million or more as general risk context, not as policy terms. [9](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Not found in reviewed sources; scope: Product page video statistics and general text as read on 2026-09-23..) |
| Risk Services | Not described in the reviewed sources. | Travelers offers a social engineering fraud endorsement and publishes guidance such as "Coverage 101" and social-engineering protection resources alongside the product. [9](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: Product page Resources 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. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") [5](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") (Evidence: Company-reported; scope: Online Ease section; agents and brokers use Marketplace to place the policy..) | Fidelity and crime coverage is bought through a Travelers independent agent. [9](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: Product page "Find an insurance agent" call to action..) |

## Full Comparison

- [Chubb vs Travelers](https://spot.insure/compare/chubb-vs-travelers): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud.
- [Chubb vs Travelers Business Owner’s Policy](https://spot.insure/compare/chubb-vs-travelers/business-owners-policy)
- [Chubb vs Travelers Cargo and Transit Insurance](https://spot.insure/compare/chubb-vs-travelers/cargo-transit)
- [Chubb vs Travelers Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-travelers/commercial-auto)
- [Chubb vs Travelers Commercial Property Insurance](https://spot.insure/compare/chubb-vs-travelers/commercial-property)
- [Chubb vs Travelers Cyber Insurance](https://spot.insure/compare/chubb-vs-travelers/cyber)
- [Chubb vs Travelers D&O Insurance](https://spot.insure/compare/chubb-vs-travelers/directors-officers)
- [Chubb vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-travelers/employment-practices)
- [Chubb vs Travelers Equipment Breakdown Insurance](https://spot.insure/compare/chubb-vs-travelers/equipment-breakdown)
- [Chubb vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-travelers/fiduciary)
- [Chubb vs Travelers General Liability Insurance](https://spot.insure/compare/chubb-vs-travelers/general-liability)
- [Chubb vs Travelers Inland Marine Insurance](https://spot.insure/compare/chubb-vs-travelers/inland-marine)
- [Chubb vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-travelers/kidnap-ransom)
- [Chubb vs Travelers Management Liability Insurance](https://spot.insure/compare/chubb-vs-travelers/management-liability)
- [Chubb vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-travelers/professional-errors-omissions)
- [Chubb vs Travelers Surety Bonds](https://spot.insure/compare/chubb-vs-travelers/surety-bonds)
- [Chubb vs Travelers Tech E&O Insurance](https://spot.insure/compare/chubb-vs-travelers/technology-errors-omissions)
- [Chubb vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/chubb-vs-travelers/umbrella-excess)
- [Chubb vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-travelers/workers-compensation)
- [Alliance Risk vs Chubb Crime Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/crime)
- [Alliance Risk vs Travelers Crime Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/crime)
- [Beazley vs Chubb Crime Insurance](https://spot.insure/compare/beazley-vs-chubb/crime)
- [Beazley vs Travelers Crime Insurance](https://spot.insure/compare/beazley-vs-travelers/crime)
- [CFC vs Chubb Crime Insurance](https://spot.insure/compare/cfc-vs-chubb/crime)
- [CFC vs Travelers Crime Insurance](https://spot.insure/compare/cfc-vs-travelers/crime)

## Sources

### Chubb

1. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
4. [The ForeFront Portfolio — Crime Insurance](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf). Chubb; Crime Risks: Real & Rising claim-type list (Social Engineering Fraud, Employee Theft, Client Theft, Funds Transfer Fraud); Online Ease section on Chubb Marketplace; insurer disclosure line. Accessed 2026-09-23.
5. [The ForeFront Portfolio](https://www.chubb.com/us-en/business-insurance/forefront.html). Chubb; Available Coverages: Crime Insurance listed among the ForeFront Portfolio's seven coverage parts; Chubb Marketplace quoting. Accessed 2026-09-23.

### Travelers

6. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
7. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
8. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
9. [Fidelity & Crime Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime). Travelers; What is fidelity and crime coverage?; Who is fidelity and crime coverage right for?; Types of fidelity and crime claims; video legal footer naming Travelers Casualty and Surety Company of America. Accessed 2026-09-23.

### Crime Insurance Guide

10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/chubb-vs-travelers/crime.md)
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