---
title: "Counterpart vs Zurich U.S.: Crime Insurance"
description: "Zurich offers standalone and packaged crime policies and describes a crime-risk assessment service; Counterpart’s product is reached through wholesale brokers."
canonical: "https://spot.insure/compare/counterpart-vs-zurich/crime"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "counterpart-vs-zurich"
provider-a: "counterpart"
provider-b: "zurich"
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-zurich/crime)

## Agent Guide

**What this page is:** Focused comparison of Counterpart and Zurich U.S. 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 Zurich U.S.. 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 Zurich U.S. for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Counterpart or Zurich U.S.?
- What does Counterpart or Zurich U.S. publish about Crime Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Crime Insurance from Counterpart or Zurich U.S.?

**Key facts:**
- Line: Crime Insurance. Providers: Counterpart and Zurich U.S..
- 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 Zurich U.S.](https://spot.insure/compare/counterpart-vs-zurich) — 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)
- [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence)
- [Counterpart vs Zurich U.S. D&O Insurance](https://spot.insure/compare/counterpart-vs-zurich/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/counterpart-vs-zurich/general-liability) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/counterpart-vs-zurich/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 Zurich U.S. Crime Insurance](https://spot.insure/compare/aig-vs-zurich/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 Zurich U.S. Crime Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/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 Zurich U.S. Crime Insurance](https://spot.insure/compare/aon-vs-zurich/crime) — sibling comparison (other line, or other pair for this line)

# Counterpart vs Zurich U.S.: How Do They Compare for Crime Insurance?

Zurich offers standalone and packaged crime policies and describes a crime-risk assessment service; Counterpart’s product is reached through wholesale brokers.

## How to Use the Counterpart vs Zurich U.S. Crime Insurance Comparison

Use this comparison to evaluate Counterpart and Zurich U.S. 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 Zurich U.S. Crime Insurance Summary

Zurich Resilience Solutions describes crime-risk assessments to identify vulnerabilities; Counterpart says buyers access its program through wholesale brokers. [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?") [7](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.")

## 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)

## Zurich U.S. Business Insurance: Products, Access, and Claims

Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. [5](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [6](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.")

[Zurich U.S. profile](https://spot.insure/insurance-providers/zurich)

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

## What Are the Key Differences Between Counterpart and Zurich U.S. Crime Insurance?

### Risk Assessment Alongside Policy Placement

Zurich offers commercial crime as standalone coverage or within packages and describes Zurich Resilience Solutions assessments that identify vulnerabilities and recommend resilience steps. Counterpart’s reviewed offering names crime scenarios and says buyers reach its program through wholesale brokers; its claims do not describe a comparable crime-risk assessment. An organization seeking prevention advice as well as insurance should ask Zurich what the assessment covers and whether recommendations affect underwriting or pricing. [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?") [7](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.")

### Electronic Fraud Wording

Zurich distinguishes computer-fraud loss originating from the insured’s premises from funds-transfer fraud caused by instructions to a financial institution. Counterpart lists computer or system fraud, funds transfers, and social engineering as examples without the same trigger detail in its published crime claims. Those labels may respond to different events; map a recent or plausible payment incident to each proposed agreement before comparing limits. [3](https://yourcounterpart.com/products/crime "Commercial Crime Insurance") [7](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.")

## What Should You Confirm in Counterpart and Zurich U.S. Crime Insurance Quotes?

- Can Zurich provide a standalone quote, and what does its crime assessment cover for your payment approval controls? [7](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.")
- How does Counterpart define computer fraud and funds-transfer fraud, and what evidence or authentication conditions apply? [3](https://yourcounterpart.com/products/crime "Commercial Crime Insurance")

## Counterpart vs Zurich U.S. Crime Insurance Compared

| Criteria | Counterpart Commercial Crime | Zurich 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..) | Confirm in your quote. |
| 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..) | Zurich offers commercial crime insurance as standalone policies and as package solutions for public and private companies. [7](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. Product structure and company class only; terms, underwriting and availability vary..) |
| 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..) | Zurich describes employee-theft coverage for direct loss or damage to money, securities or property caused by employee theft or forgery. [7](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. Summary only; form definitions, exclusions, limits and conditions control..)<br><br>Zurich describes computer-fraud losses as loss of or damage to money, securities or property resulting directly from computer use to fraudulently cause a transfer originating from the insured’s business or banking premises. It separately describes Funds Transfer Fraud as direct loss of money or securities from fraudulent instructions to a financial institution to transfer funds from the insured’s transfer account. Policy forms govern. [7](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. These are the page’s summary descriptions, not policy definitions. Actual definitions, causation requirements, exclusions and limits are in policy forms..) |
| Risk Services | Confirm in your quote. | Zurich Resilience Solutions offers crime-risk assessment services intended to identify vulnerabilities, followed by specialist recommendations for crime resilience. [7](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact risk-service provider/issuer relationship not mapped; Commercial Crime Insurance risk-assessment service; United States. Company-described service; no guarantee of loss prevention and no insured coverage grant..) |

## Related Pages for Counterpart vs Zurich U.S. Crime Insurance

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

## Sources for Counterpart vs Zurich U.S. 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 Zurich U.S.

5. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
6. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
7. [Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/crime-insurance). Zurich U.S.; Crime product, standalone/package availability, loss examples, risk assessment services. Accessed 2026-09-28.

### Sources for the Crime Insurance Guide

8. [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.
9. [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.
10. [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.
11. [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.
12. [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).

## Zurich U.S. Review Scores for 2026

Review Score: not enough ratings.

The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.

- NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance)
- Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com)
- ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html)
- BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews)

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

## Agent and Developer Resources

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