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. 1,2
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. 5,6,7
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. 9,10,11,12,13
Key Differences in Crime Insurance
Scenario Breadth and Claim Support
Lockton’s Crime and Fidelity list includes employee theft, forgery, on- and off-premises theft, computer fraud, counterfeit currency, and impersonation involving customers, vendors, or employees. Counterpart lists employee theft, forgery, computer or system fraud, funds transfers, and social engineering. Lockton says its Professional & Executive Risk Claims team handles crime claims and integrates claims counsel into the broking team; Counterpart’s scenario claim does not describe a claims service. Ask who will advocate after a loss. 3 8
Intermediary Roles and Financial-Institution Bonds
Both companies arrange coverage rather than underwrite it: Lockton describes a brokered crime and fidelity program, while Counterpart distributes through its producer and wholesale brokers. Lockton distinguishes general crime cover from financial-institution bonds that banks may be required to carry. A business in financial services should establish which product is intended and who the actual carrier is before using a crime quote to satisfy a contractual requirement. 1 4 8
What to Confirm in Crime Insurance Quotes
Counterpart and Lockton Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Counterpart Review Score
Review Score
No reviews found
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.[7][10]
Read Counterpart reviewsLockton Review Score
Review Score
3 rated sources
Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.[2][6][7][8]
Read Lockton reviewsCounterpart vs Lockton Crime Insurance Compared
Counterpart vs Lockton: Crime Insurance: documented features by provider
| Criteria | Counterpart Commercial Crime | Lockton Crime and Fidelity Insurance Brokerage |
|---|---|---|
| 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. 1,4Company-reported. Company-published distribution description; it does not identify the insurer for this crime placement. | 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. 8Company-reported. 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. 8Not publicly disclosed. Crime and Fidelity page checked 2026-09-23. |
| Who It’s For | Counterpart presents its insurance products and risk-management services for small businesses. 3,1Company-reported. The general audience statement is not a crime-specific underwriting 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. 8Company-reported. Crime and Fidelity product page as read 2026-09-23. |
| Coverage Features | Counterpart’s crime page lists employee theft, forgery, computer or system fraud, funds-transfer fraud and social-engineering scenarios. 3Company-reported. These are marketing examples, not a complete insuring agreement; the actual policy defines covered loss and conditions. Counterpart separately lists funds-transfer fraud and social-engineering as crime examples. 3Company-reported. The examples do not define authentication conditions, sublimits, exclusions or how a claim would be adjusted. | 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. 8Company-reported. Product page as read 2026-09-23; a capability/claim-type list, not a specimen policy. |
| 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. 8Company-reported. Product page as read 2026-09-23. Describes Lockton's advocacy role, not an insurer's claim-paying obligation. |
Related Pages for Counterpart vs Lockton Crime Insurance
Crime Insurance Pages for Counterpart and Lockton
Other Coverage Lines Compared for Counterpart vs Lockton
Other Crime Insurance Provider Comparisons
Sources for Counterpart vs Lockton Crime Insurance
Sources About Counterpart
- Counterpart | Agentic Insurance™. 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.
- About Counterpart. 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.
- Commercial Crime Insurance. 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.
- 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 Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- 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.
- US 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.
- 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
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. 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.
- Commercial Crime Coverage Application. 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.
