---
title: "Coverdash vs Lockton: Crime Insurance"
description: "Coverdash fits businesses that prefer digital crime buying; Lockton is a broker option for buyers who want a dedicated crime claims team or need to assess a financial-institution bond."
canonical: "https://spot.insure/compare/coverdash-vs-lockton/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "coverdash-vs-lockton"
provider-a: "coverdash"
provider-b: "lockton"
coverage-line: "crime"
---

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

## Agent Guide

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

**Questions this page answers:**
- Coverdash vs Lockton for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Coverdash or Lockton?
- What does Coverdash or Lockton publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: Coverdash and Lockton.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [Coverdash vs Lockton](https://spot.insure/compare/coverdash-vs-lockton) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Coverdash profile](https://spot.insure/insurance-providers/coverdash) — provider profile
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile

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

Any business handling money, payroll or valuable inventory can use Coverdash, a broker, for a fully digital quote-to-purchase process; Lockton places brokered crime and fidelity programs, with a claims team integrated into its broking team.

Coverdash offers a digital crime quote path; Lockton provides crime claims support through its Professional & Executive Risk team and flags when financial institutions need a bond.

## Coverdash vs Lockton Crime Insurance Summary

Coverdash fits businesses that prefer digital crime buying; Lockton is a broker option for buyers who want a dedicated crime claims team or need to assess a financial-institution bond. [2](https://www.coverdash.com/terms "Terms And Conditions") [1](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

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

Financial institutions should ask Lockton whether they need a financial institution bond, which Lockton distinguishes from general crime coverage. Coverdash’s reviewed page does not discuss that distinction or describe claims advocacy. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance")

### Digital Brokerage Versus Claims-Integrated Broking

Coverdash arranges commercial crime as a broker and describes a fully digital quote-to-purchase process. Lockton places Crime and Fidelity as a brokered program and says its Professional & Executive Risk Claims team, which integrates insurance and claims counsel inside the broking team, handles those claims. Coverdash’s reviewed crime pages do not describe a comparable claims-advocacy team. [1](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") [2](https://www.coverdash.com/terms "Terms And Conditions") [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")


### Claim Types Lockton Itemizes

Lockton lists employee theft, forgery or alteration, theft on or off premises, computer fraud, counterfeit currency, and social-engineering impersonation involving customers, vendors or employees. Coverdash describes employee theft, forged checks and counterfeit currency, funds-transfer fraud and social engineering. Neither page names a placing insurer; Coverdash also does not publish limits. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance")

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

- Ask Lockton whether you need a financial institution bond rather than general crime. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- Get both issuing carriers and limits. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance")
- Ask whether Lockton’s on-or-off-premises theft appears on Coverdash’s placed form. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance")
- Ask Coverdash how crime and cyber would coordinate; ask Lockton how its claims team would advocate a social-engineering loss. [3](https://www.coverdash.com/coverage "Coverage Hub") [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

## Coverdash vs Lockton Crime Insurance Compared

| Criteria | Coverdash Commercial Crime Insurance | Lockton Crime and Fidelity Insurance Brokerage |
| --- | --- | --- |
| Who It’s For | Coverdash markets commercial crime coverage to any business that handles money, payroll or valuable inventory. [1](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") (Evidence: Company-reported; scope: Product-page eligibility description; actual acceptance depends on underwriting..) | 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. [4](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 | Coverdash describes commercial crime coverage as protecting against employee theft of money, property or assets, forged checks and counterfeit currency, fraudulent funds-transfer instructions, and losses when an employee is tricked by social engineering into sending funds to a bad actor. [1](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") (Evidence: Company-reported; scope: Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions..) | 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. [4](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..) |
| Role in This Line | Coverdash arranges commercial crime coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. [2](https://www.coverdash.com/terms "Terms And Conditions") [1](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") (Evidence: Company-reported; scope: General brokerage terms applied to the crime page; not specific to any one carrier or state..) | 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. [4](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..) |

## About Coverdash and Lockton and Crime Insurance

- [Coverdash company profile](https://spot.insure/insurance-providers/coverdash) · [Coverdash customer reviews](https://spot.insure/insurance-providers/coverdash/reviews)
- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Coverdash vs Lockton Crime Insurance

- [Coverdash vs Lockton](https://spot.insure/compare/coverdash-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.
- [Coverdash Crime Insurance](https://spot.insure/insurance-providers/coverdash/crime)
- [Lockton Crime Insurance](https://spot.insure/insurance-providers/lockton/crime)

## Sources for Coverdash vs Lockton Crime Insurance

### Sources About Coverdash

1. [Commercial Crime Insurance](https://www.coverdash.com/coverage/crime-coverage). Coverdash; Product introduction; Types of Coverage cards for Employee theft, Forgery and fraud, Funds transfer fraud, Social engineering; Who It's For. Accessed 2026-09-23.
2. [Terms And Conditions](https://www.coverdash.com/terms). Coverdash; "Coverdash does not provide any underwriting services"; broker/agent of record designation. Accessed 2026-09-23.
3. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Cyber & Crime category listing Cyber Insurance, Crime Coverage and Kidnap & Ransom. Accessed 2026-09-23.

### Sources About Lockton

4. [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.

Updated 2026-09-25. 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/coverdash-vs-lockton/crime.md)
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- [Public MCP server](https://spot.insure/mcp)
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- [Public page index](https://spot.insure/llms.txt)