---
title: "Embroker vs Lockton Crime Insurance"
description: "Embroker sells crime as a policy or endorsement with named exclusions; Lockton brokers Crime and Fidelity with in-house claims counsel."
canonical: "https://spot.insure/compare/embroker-vs-lockton/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Embroker vs Lockton Crime Insurance

Embroker sells crime as a policy or endorsement with named exclusions; Lockton brokers Crime and Fidelity with in-house claims counsel.

## Research Scope and Use

Use this comparison to evaluate Embroker 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.

## Summary

Embroker sells commercial crime standalone or as a BOP/D&O endorsement and lists exclusions including income loss and executive-employee collusion. Lockton places Crime and Fidelity for nonprofit, private and public organizations, flags financial institution bonds as a separate requirement, and says its Professional & Executive Risk Claims team handles those claims. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [8](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

## What Is Embroker?

Embroker is a business insurance broker and online platform serving startups, technology companies and professional-services firms, with proprietary programs and broker-assisted placements. [1](https://www.embroker.com/ "Embroker") [2](https://www.embroker.com/terms/ "Terms And Conditions") [3](https://access.embroker.com/ "Embroker Access")

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

## What Is Lockton?

Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. [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 addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### Standalone Policy Versus Brokered Program

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. Lockton places Crime and Fidelity as a brokered program against theft, fraud, forgery and embezzlement by employees or third parties; it does not underwrite the policy. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [8](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

### Listed Perils

Embroker lists employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social-engineering fraud. Lockton lists employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social-engineering impersonation involving customers, vendors or employees. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [8](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

### Named Exclusions Versus Claim-Type List

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. Lockton presents its items as claim types a crime and fidelity program is meant to address. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [8](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

## What to Confirm in Crime Insurance Quotes

- Ask Lockton whether you need a financial institution bond or a general crime and fidelity program. [8](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- Ask Embroker if the quote is standalone crime, an endorsement, or a fidelity bond. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")
- Ask how Lockton’s Professional & Executive Risk Claims team would handle a crime claim on the placed policy. [8](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- Match Embroker’s exclusion list to Lockton’s placed form. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [8](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

## Offering Details

| Criteria | Embroker Commercial Crime Insurance | Lockton Crime and Fidelity Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | 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. [4](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..) | 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 | Not described in the reviewed sources. | 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 | 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. [4](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..) | 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 | 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. [4](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. [4](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. [4](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..) | 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..) |
| Limits and Retentions | 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. [4](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..) | Not described in the reviewed sources. |
| How to Apply | 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. [4](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..) | Not described in the reviewed sources. |
| Claims Support | Not described in the reviewed sources. | 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..) |

## Full Comparison

- [Embroker vs Lockton](https://spot.insure/compare/embroker-vs-lockton): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud.
- [Embroker vs Lockton Commercial Property Insurance](https://spot.insure/compare/embroker-vs-lockton/commercial-property)
- [Embroker vs Lockton Cyber Insurance](https://spot.insure/compare/embroker-vs-lockton/cyber)
- [Embroker vs Lockton D&O Insurance](https://spot.insure/compare/embroker-vs-lockton/directors-officers)
- [Embroker vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/embroker-vs-lockton/employment-practices)
- [Embroker vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/embroker-vs-lockton/fiduciary)
- [Embroker vs Lockton General Liability Insurance](https://spot.insure/compare/embroker-vs-lockton/general-liability)
- [Embroker vs Lockton Product Liability Insurance](https://spot.insure/compare/embroker-vs-lockton/product-liability)
- [Embroker vs Lockton Surety Bonds](https://spot.insure/compare/embroker-vs-lockton/surety-bonds)
- [Embroker vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/embroker-vs-lockton/workers-compensation)
- [Alliance Risk vs Embroker Crime Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/crime)
- [Alliance Risk vs Lockton Crime Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/crime)
- [Beazley vs Embroker Crime Insurance](https://spot.insure/compare/beazley-vs-embroker/crime)
- [Beazley vs Lockton Crime Insurance](https://spot.insure/compare/beazley-vs-lockton/crime)
- [CFC vs Embroker Crime Insurance](https://spot.insure/compare/cfc-vs-embroker/crime)
- [CFC vs Lockton Crime Insurance](https://spot.insure/compare/cfc-vs-lockton/crime)

## Sources

### Embroker

1. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
2. [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.
3. [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.
4. [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.

### 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.

### 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.

Updated 2026-09-23. 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.

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