---
title: "CNA vs Lockton: Crime Insurance"
description: "CNA lists crime as a selectable Management Liability coverage."
canonical: "https://spot.insure/compare/cna-vs-lockton/crime"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cna-vs-lockton"
provider-a: "cna"
provider-b: "lockton"
coverage-line: "crime"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

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

## Agent Guide

**What this page is:** Focused comparison of CNA and Lockton for Crime Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Crime Insurance questions about CNA versus Lockton. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CNA vs Lockton for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, CNA or Lockton?
- What does CNA or Lockton publish about Crime Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Crime Insurance from CNA or Lockton?

**Key facts:**
- Line: Crime Insurance. Providers: CNA and Lockton.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [CNA vs Lockton](https://spot.insure/compare/cna-vs-lockton) — parent: all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile (evidence)
- [CNA vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-lockton/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [CNA vs Lockton Commercial Property Insurance](https://spot.insure/compare/cna-vs-lockton/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CNA vs Lockton Cyber Insurance](https://spot.insure/compare/cna-vs-lockton/cyber) — sibling comparison (other line, or other pair for this line)
- [CNA vs Lockton D&O Insurance](https://spot.insure/compare/cna-vs-lockton/directors-officers) — sibling comparison (other line, or other pair for this line)
- [CNA vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-lockton/employment-practices) — sibling comparison (other line, or other pair for this line)
- [CNA vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-lockton/fiduciary) — sibling comparison (other line, or other pair for this line)
- [CNA vs Lockton General Liability Insurance](https://spot.insure/compare/cna-vs-lockton/general-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs Lockton Product Liability Insurance](https://spot.insure/compare/cna-vs-lockton/product-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs Lockton Surety Bonds](https://spot.insure/compare/cna-vs-lockton/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-lockton/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Crime Insurance](https://spot.insure/compare/aig-vs-cna/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Crime Insurance](https://spot.insure/compare/aig-vs-lockton/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CNA Crime Insurance](https://spot.insure/compare/alliance-risk-vs-cna/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Lockton Crime Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs CNA Crime Insurance](https://spot.insure/compare/aon-vs-cna/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Lockton Crime Insurance](https://spot.insure/compare/aon-vs-lockton/crime) — sibling comparison (other line, or other pair for this line)

# CNA vs Lockton: How Do They Compare for Crime Insurance?

CNA lists crime as a selectable Management Liability coverage.

## How to Use the CNA vs Lockton Crime Insurance Comparison

Use this comparison to evaluate CNA and Lockton 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.

## CNA vs Lockton Crime Insurance Summary

CNA lists crime as a selectable Management Liability coverage; Lockton describes brokered Crime and Fidelity programs for public, private and nonprofit organizations and names employee theft, forgery, off-premises theft, computer fraud, counterfeit currency and social-engineering fraud. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") [8](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

## CNA Small Business Insurance: Products, Agents and Service

CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. [1](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [3](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer")

[CNA profile](https://spot.insure/insurance-providers/cna)

## What Is Lockton?

Lockton suits technology companies and larger businesses seeking a broker across cyber, D&O, property, liability and benefits; small firms wanting an instant standard quote should compare digital agencies. [5](https://global.lockton.com/us/en "Lockton United States") [6](https://global.lockton.com/us/en/technology "Technology") [7](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## 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. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [11](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [12](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [13](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application")

## What Are the Key Differences Between CNA and Lockton Crime Insurance?

### Offering Structure and Distribution

Lockton’s page also describes a Professional & Executive Risk Claims team that handles Crime and Fidelity claims. That is a brokerage claims-advocacy description, not proof of claim outcomes or policy coverage. CNA’s cited page does not describe a crime-specific claims service. Its stated application route is Agent Center for agents, while Lockton’s record focuses on a broker placement rather than a direct quote flow. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") [8](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

### Coverage Detail and Buyer Fit

Lockton calls out financial-institution bonds as distinct from general crime coverage, which can matter when a buyer’s contractual requirement uses “bond” language. CNA’s crime line is presented inside management liability. The reviewed sources do not establish how either option meets a specific contract requirement; the form and named insured schedule need review. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") [8](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

## What Should You Confirm in CNA and Lockton Crime Insurance Quotes?

- Ask Lockton whether its claims team will support your proposed placement and identify the insurer; ask CNA which crime form and claims contact apply. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") [8](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- Confirm whether a financial institution bond is required, and compare covered property, social-engineering conditions and limits for equivalent scenarios. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") [8](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

## CNA vs Lockton Crime Insurance Compared

| Criteria | CNA Management Liability Crime Coverage | Lockton Crime and Fidelity Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | CNA describes Epack 3 as a modular policy with a selected mix of management-liability parts rather than one mandatory bundle. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") (Evidence: Company-reported; scope: The page does not establish which components a buyer can select for a specific risk or whether the crime coverage is offered standalone..) | 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. [8](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Crime and Fidelity product page as read 2026-09-23..) |
| Issuing Insurer | Confirm in your quote. | The page does not name the insurers Lockton places crime and fidelity coverage with. [8](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Not publicly disclosed; scope: Crime and Fidelity page checked 2026-09-23..) |
| Who It’s For | CNA describes management-liability risks for private and public companies and not-for-profit organizations. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") (Evidence: Company-reported; scope: This is broad segment context, not a crime-specific acceptance rule..) | 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. [8](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Crime and Fidelity product page as read 2026-09-23..) |
| Coverage Features | CNA currently lists Crime among its Management Liability coverages and says Epack 3 can flexibly combine crime with selected management-liability exposures. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") (Evidence: Company-reported; scope: The product page establishes a marketed option, not that all component lines must be purchased together..) | 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. [8](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Product page as read 2026-09-23; a capability/claim-type list, not a specimen policy..) |
| How to Apply | CNA directs agents seeking an application to its Agent Center. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") (Evidence: Company-reported; scope: The page does not state that a business can apply directly or identify all documents required for crime coverage..) | Confirm in your quote. |
| Claims Support | Confirm in your quote. | Lockton says its Professional & Executive Risk Claims team, which integrates insurance and claims counsel within the broking team rather than treating claims advocacy as a separate profit center, handles Crime and Fidelity claims. [8](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Product page as read 2026-09-23. Describes Lockton's advocacy role, not an insurer's claim-paying obligation..) |

## Related Pages for CNA vs Lockton Crime Insurance

- [CNA vs Lockton](https://spot.insure/compare/cna-vs-lockton): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [CNA vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-lockton/cargo-transit)
- [CNA vs Lockton Commercial Property Insurance](https://spot.insure/compare/cna-vs-lockton/commercial-property)
- [CNA vs Lockton Cyber Insurance](https://spot.insure/compare/cna-vs-lockton/cyber)
- [CNA vs Lockton D&O Insurance](https://spot.insure/compare/cna-vs-lockton/directors-officers)
- [CNA vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-lockton/employment-practices)
- [CNA vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-lockton/fiduciary)
- [CNA vs Lockton General Liability Insurance](https://spot.insure/compare/cna-vs-lockton/general-liability)
- [CNA vs Lockton Product Liability Insurance](https://spot.insure/compare/cna-vs-lockton/product-liability)
- [CNA vs Lockton Surety Bonds](https://spot.insure/compare/cna-vs-lockton/surety-bonds)
- [CNA vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-lockton/workers-compensation)
- [AIG vs CNA Crime Insurance](https://spot.insure/compare/aig-vs-cna/crime)
- [AIG vs Lockton Crime Insurance](https://spot.insure/compare/aig-vs-lockton/crime)
- [Alliance Risk vs CNA Crime Insurance](https://spot.insure/compare/alliance-risk-vs-cna/crime)
- [Alliance Risk vs Lockton Crime Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/crime)
- [Aon vs CNA Crime Insurance](https://spot.insure/compare/aon-vs-cna/crime)
- [Aon vs Lockton Crime Insurance](https://spot.insure/compare/aon-vs-lockton/crime)

## Sources for CNA vs Lockton Crime Insurance

### Sources About CNA

1. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark).. Accessed 2026-09-28.
2. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
3. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29.. Accessed 2026-09-29.
4. [Management Liability Insurance and Professional Liability](https://www.cna.com/products/management-liability). CNA; Current U.S. page: management liability names crime and kidnap/ransom/extortion; lists management product coverages and Epack 3 modular structure, application channel and caveats. Retrieved 2026-09-30.. Accessed 2026-09-30.

### Sources About Lockton

5. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
6. [Technology](https://global.lockton.com/us/en/technology). Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
7. [US Terms of Business](https://global.lockton.com/us/en/terms-of-business). Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
8. [Crime and Fidelity Insurance](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance). Lockton; What is Crime and Fidelity Insurance?; Who needs to purchase Crime and Fidelity Insurance?; Types of Crime and Fidelity claims; Claims management. Accessed 2026-09-23.

### Sources for the Crime Insurance Guide

9. [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.
10. [Crime Non-Financial Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions). Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
11. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). 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.
12. [Social Engineering Fraud Insurance](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html). Chubb; Opening; coverage highlights. Accessed 2026-09-16.
13. [Commercial Crime Coverage Application](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3). 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.

Updated 2026-10-01. 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.

## CNA Review Scores for 2026

Review Score: 9.0 / 10 from 1 rated source, equally weighted.

Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.

- NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers)
- Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com)
- BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cna/reviews).

## Lockton Review Scores for 2026

Review Score: 8.4 / 10 from 3 rated sources, equally weighted.

Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.

- BBB: BBB grade A+ (BBB letter grade). Denver BBB profile for Lockton Companies, LLC; corporate profile, not insurer/customer-star aggregate. Checked 2026-09-25. [Lockton Companies, LLC | BBB Business Profile](https://www.bbb.org/us/co/denver/profile/insurance-companies/lockton-companies-llc-1296-9971)
- ProvenExpert (Google Maps aggregation): Google Maps aggregate shown by ProvenExpert 4 (0–5 stars); 44 reviews. Aggregator profile labeled Lockton, insurance brokerage/consulting, attached to 444 W 47th St, Suite 900, Kansas City, Missouri. This is location-level evidence and should not be treated as firmwide consensus. ProvenExpert says the 44 reviews are from Google Maps; it does not show review-level dates in the captured result. Period: Profile active/updated 2026-08-18; accessed 2026-09-25. Checked 2026-09-25. [Lockton Reviews & Experiences | ProvenExpert](https://www.provenexpert.com/en-us/lockton/)
- Birdeye (aggregates Google and Birdeye reviews): combined Google/Birdeye star rating 3.6 (0–5 stars); 144 reviews. Office/program-specific Lockton Affinity, LLC profile at 10895 Lowell Ave, Overland Park, Kansas; not Lockton Companies, LLC firmwide. Birdeye identifies 141 Google reviews plus 3 Birdeye reviews. Period: Accessed 2026-09-25; visible excerpts dated about 3 years earlier. Checked 2026-09-25. [Lockton Affinity, LLC | Birdeye](https://reviews.birdeye.com/lockton-affinity-llc-542637984)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/lockton/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cna-vs-lockton/crime.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)