Embroker vs The Hartford: How Do They Compare for Crime Insurance?

Embroker sells crime as a standalone policy; The Hartford offers it as one of five options in its Private Choice Premier management liability package, for nonprofit, public and private firms.

Embroker fits smaller businesses needing standalone crime or a BOP/D&O add-on; The Hartford names private, public and nonprofit buyers and offers crime in Private Choice Premier or on a financial-institutions track. ^1,²

What Are the Key Differences Between Embroker and The Hartford Crime Insurance?

If you are a public company or nonprofit, The Hartford names those buyers for its Private Choice Premier crime option; financial institutions have a separate track. Embroker instead publishes exclusions and a BOP/D&O endorsement option for smaller firms. ² ¹

Standalone or Endorsement Versus Package Option

Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add crime to a BOP or D&O policy. The Hartford’s crime insurance is one of five options in Private Choice Premier and is also offered as bond and commercial crime (fidelity) in a financial-institutions product track. ¹ ²

Coverage Descriptions

Embroker lists employee theft including shoplifting, third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social-engineering fraud. The Hartford says crime helps cover business-related crimes like employee theft, forgery or robbery, using a cash-register theft example. ¹ ²

Embroker also names exclusions for income loss, executive-employee collusion, third-party liabilities and cybercrime involving stolen patents, trade secrets or customer lists. The Hartford’s public crime description is the employee-theft, forgery and robbery example. ¹ ²

What Should You Confirm in Embroker and The Hartford Crime Insurance Quotes?

Ask The Hartford whether crime sits in Private Choice Premier or the financial-institutions fidelity track. ²
Ask Embroker whether the quote is standalone, an endorsement, or a fidelity bond. ¹
Match Embroker’s published exclusions to the bound Hartford policy. ¹ ²
Confirm whether robbery (Hartford’s example) and social-engineering fraud (Embroker’s list) appear on each bound policy. ² ¹

Embroker vs The Hartford Crime Insurance Compared

Embroker vs The Hartford: Crime Insurance: documented features by provider

Criteria	Embroker Commercial Crime Insurance	The Hartford Crime Insurance
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. ¹Company-reported. Product-page 'Who benefits most' section; not a formal underwriting appetite statement.	The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. ²Company-reported. Management liability 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. ¹Company-reported. Product-page What's covered section; the issued policy and declarations control. 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. ¹Company-reported. Product-page What's not included section. 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. ¹Company-reported. Product-page FAQ comparing fidelity bonds and commercial crime insurance.	The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. ²Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.
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. ¹Company-reported. Product-page description; not a statement about the issuing insurer.	The Hartford's crime insurance is one of five options in its Private Choice Premier management-liability package, and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. ²Company-reported. Management liability product page as read 2026-09-23.

Criteria

Embroker Commercial Crime Insurance

The Hartford Crime Insurance

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. ¹Company-reported. Product-page 'Who benefits most' section; not a formal underwriting appetite statement.

The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. ²Company-reported. Management liability 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. ¹Company-reported. Product-page What's covered section; the issued policy and declarations control.

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. ¹Company-reported. Product-page What's not included section.

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. ¹Company-reported. Product-page FAQ comparing fidelity bonds and commercial crime insurance.

The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. ²Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.

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. ¹Company-reported. Product-page description; not a statement about the issuing insurer.

The Hartford's crime insurance is one of five options in its Private Choice Premier management-liability package, and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. ²Company-reported. Management liability product page as read 2026-09-23.