---
title: "Counterpart vs Embroker: Crime Insurance"
description: "Counterpart names electronic-fraud scenarios; Embroker also lists third-party theft, money laundering, and exclusions for indirect loss and executive collusion."
canonical: "https://spot.insure/compare/counterpart-vs-embroker/crime"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "counterpart-vs-embroker"
provider-a: "counterpart"
provider-b: "embroker"
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/counterpart-vs-embroker/crime)

## Agent Guide

**What this page is:** Focused comparison of Counterpart and Embroker 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 Counterpart versus Embroker. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Crime Insurance. Providers: Counterpart and Embroker.
- 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:**
- [Counterpart vs Embroker](https://spot.insure/compare/counterpart-vs-embroker) — parent: all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line
- [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence)
- [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile (evidence)
- [Counterpart vs Embroker D&O Insurance](https://spot.insure/compare/counterpart-vs-embroker/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Embroker Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-embroker/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-embroker/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Embroker General Liability Insurance](https://spot.insure/compare/counterpart-vs-embroker/general-liability) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/counterpart-vs-embroker/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Counterpart Crime Insurance](https://spot.insure/compare/aig-vs-counterpart/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Embroker Crime Insurance](https://spot.insure/compare/aig-vs-embroker/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Counterpart Crime Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Embroker Crime Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Counterpart Crime Insurance](https://spot.insure/compare/aon-vs-counterpart/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Embroker Crime Insurance](https://spot.insure/compare/aon-vs-embroker/crime) — sibling comparison (other line, or other pair for this line)

# Counterpart vs Embroker: How Do They Compare for Crime Insurance?

Counterpart names electronic-fraud scenarios; Embroker also lists third-party theft, money laundering, and exclusions for indirect loss and executive collusion.

## How to Use the Counterpart vs Embroker Crime Insurance Comparison

Use this comparison to evaluate Counterpart and Embroker 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.

## Counterpart vs Embroker Crime Insurance Summary

Embroker lists third-party theft and money laundering among its crime examples; Counterpart names employee, computer, funds-transfer, and social-engineering scenarios. [3](https://yourcounterpart.com/products/crime "Commercial Crime Insurance") [8](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")

## What Is Counterpart Insurance?

Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [2](https://yourcounterpart.com/about "About Counterpart")

[Counterpart profile](https://spot.insure/insurance-providers/counterpart)

## What Is Embroker?

Embroker suits technology firms seeking a single application for management coverage plus eligible Tech E&O and cyber, and law firms seeking a grouped package; buyers needing only standard small-business coverage should compare direct carriers. [5](https://www.embroker.com/ "Embroker") [6](https://www.embroker.com/terms/ "Terms And Conditions") [7](https://access.embroker.com/ "Embroker Access")

[Embroker profile](https://spot.insure/insurance-providers/embroker)

## 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 Counterpart and Embroker Crime Insurance?

### Which Loss Examples the Pages Spell Out

Embroker lists employee and third-party theft, forgery, digital fraud, money laundering, counterfeit currency, and social engineering. Counterpart names employee theft, forgery, computer or system fraud, funds transfer, and social engineering. The overlap is meaningful, but only Embroker’s reviewed page identifies third-party theft and money laundering specifically; ask whether those situations are covered by the final Counterpart form before relying on the broader examples. [3](https://yourcounterpart.com/products/crime "Commercial Crime Insurance") [8](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")

### Important Exclusions and Purchase Route

Embroker says its crime policy excludes income and indirect losses, coordinated crimes by executives or partners, third-party liability, and certain theft of digital information. Counterpart’s cited crime claims do not spell out comparable exclusions, which leaves a quote-level wording question rather than proof that those losses are covered. Counterpart routes buyers through wholesale brokers; Embroker discusses crime as standalone or an endorsement for some smaller businesses. [3](https://yourcounterpart.com/products/crime "Commercial Crime Insurance") [4](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") [8](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")

## What Should You Confirm in Counterpart and Embroker Crime Insurance Quotes?

- Which Embroker exclusions and any endorsements would apply to the loss scenarios most relevant to your business? [8](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")
- Ask Counterpart for its full exclusions, issuing company, and whether employee collusion or indirect loss is addressed. [3](https://yourcounterpart.com/products/crime "Commercial Crime Insurance") [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™")

## Counterpart vs Embroker Crime Insurance Compared

| Criteria | Counterpart Commercial Crime | Embroker Commercial Crime Insurance |
| --- | --- | --- |
| Role in This Line | Counterpart says its insurance is offered through Counterpart Insurance Services, Inc., which it describes as a producer and surplus-lines broker; its help center says businesses reach the program through a wholesale broker. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [4](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: Company-published distribution description; it does not identify the insurer for this crime placement..) | 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. [8](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page description; not a statement about the issuing insurer..) |
| Who It’s For | Counterpart presents its insurance products and risk-management services for small businesses. [3](https://yourcounterpart.com/products/crime "Commercial Crime Insurance") [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") (Evidence: Company-reported; scope: The general audience statement is not a crime-specific underwriting rule..) | 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. [8](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page 'Who benefits most' section; not a formal underwriting appetite statement..) |
| Coverage Features | Counterpart’s crime page lists employee theft, forgery, computer or system fraud, funds-transfer fraud and social-engineering scenarios. [3](https://yourcounterpart.com/products/crime "Commercial Crime Insurance") (Evidence: Company-reported; scope: These are marketing examples, not a complete insuring agreement; the actual policy defines covered loss and conditions..)<br><br>Counterpart separately lists funds-transfer fraud and social-engineering as crime examples. [3](https://yourcounterpart.com/products/crime "Commercial Crime Insurance") (Evidence: Company-reported; scope: The examples do not define authentication conditions, sublimits, exclusions or how a claim would be adjusted..) | 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. [8](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page What's covered section; the issued policy and declarations control..)<br><br>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. [8](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page What's not included section..)<br><br>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. [8](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page FAQ comparing fidelity bonds and commercial crime insurance..) |
| Limits and Retentions | Confirm in your quote. | Embroker says crime insurance pricing depends on factors like employee count and locations, revenue, office security measures and financial controls, and that fidelity bonds typically cost 0.5% to 2% of the bond value; it does not publish standard policy limits. [8](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page 'What does Commercial Crime insurance cost?' section..) |
| How to Apply | Confirm in your quote. | The reviewed crime page does not describe a dedicated online quote flow for crime insurance the way Embroker's BOP and general liability pages do; it directs buyers to a general 'Get a Quote' link. [8](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Not publicly disclosed; scope: Product page as read on 2026-09-23..) |

## Related Pages for Counterpart vs Embroker Crime Insurance

- [Counterpart vs Embroker](https://spot.insure/compare/counterpart-vs-embroker): 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.
- [Counterpart vs Embroker D&O Insurance](https://spot.insure/compare/counterpart-vs-embroker/directors-officers)
- [Counterpart vs Embroker Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-embroker/employment-practices)
- [Counterpart vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-embroker/fiduciary)
- [Counterpart vs Embroker General Liability Insurance](https://spot.insure/compare/counterpart-vs-embroker/general-liability)
- [Counterpart vs Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/counterpart-vs-embroker/professional-errors-omissions)
- [AIG vs Counterpart Crime Insurance](https://spot.insure/compare/aig-vs-counterpart/crime)
- [AIG vs Embroker Crime Insurance](https://spot.insure/compare/aig-vs-embroker/crime)
- [Alliance Risk vs Counterpart Crime Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/crime)
- [Alliance Risk vs Embroker Crime Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/crime)
- [Aon vs Counterpart Crime Insurance](https://spot.insure/compare/aon-vs-counterpart/crime)
- [Aon vs Embroker Crime Insurance](https://spot.insure/compare/aon-vs-embroker/crime)

## Sources for Counterpart vs Embroker Crime Insurance

### Sources About Counterpart

1. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287.. Accessed 2026-09-29.
2. [About Counterpart](https://yourcounterpart.com/about). Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26.. Accessed 2026-09-29.
3. [Commercial Crime Insurance](https://yourcounterpart.com/products/crime). Counterpart, Inc.; Retained provider source: product page lists employee theft, forgery, computer/system fraud, funds-transfer and social-engineering examples; prior access 2026-09-28. Direct reopen failed in this session.. Accessed 2026-09-28.
4. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart). Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28.. Accessed 2026-09-28.

### Sources About Embroker

5. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
6. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
7. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
8. [Commercial Crime Insurance: Coverage & Policies](https://www.embroker.com/coverage/commercial-crime-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Commercial Crime insurance?; What's covered; What's not included; What's the difference between Fidelity Bonds and Commercial Crime insurance?; What does Commercial Crime insurance cost?. 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.

## Counterpart Review Scores for 2026

Review Score: not enough ratings.

We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.



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

## Embroker Review Scores for 2026

Review Score: 5.6 / 10 from 3 rated sources, equally weighted.

Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.

- Trustpilot: TrustScore 2.9 (5); 2 reviews. Trustpilot review search using provider brand/domain; identity checked against the canonical insurance entity. Period: current page aggregate accessed 2026-09-25. Checked 2026-09-25. [Embroker Reviews | Read Customer Service Reviews](https://www.trustpilot.com/review/embroker.com)
- BBB: BBB business grade D+ (BBB letter grade). BBB business profile for Embroker, categorized as Small Business Insurance. Grade is BBB letter grade, not customer-star aggregate; complaint record is a product-issues billing/cancellation concern. Period: current profile; grade rationale includes 1 unanswered complaint. Checked 2026-09-25. [Embroker | BBB Business Profile](https://www.bbb.org/us/ca/san-francisco/profile/small-business-insurance/embroker-1116-974895)
- Birdeye: Combined office rating (Google + Birdeye sources) 3.9 (5); 19 reviews. Office-level listing at 24 Shotwell St, San Francisco; business profile links to embroker.com and categorizes it as Insurance. Birdeye displays combined rating from 18 Google-origin reviews plus 2 Birdeye-origin reviews. This is one office listing, not a firmwide aggregate; review dates displayed are old (examples from about five/six years before access date). Period: page accessed 2026-09-25; 17 Google-origin + 2 Birdeye-origin; displayed sample comments dated about 5-6 years earlier. Checked 2026-09-25. [Embroker - 20 Reviews - Insurance in San Francisco, CA | Birdeye](https://reviews.birdeye.com/embroker-150058735264881)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/counterpart-vs-embroker/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)