---
title: "Embroker vs The Hartford Crime Insurance"
description: "Embroker sells standalone crime or a BOP/D&O endorsement with named exclusions; The Hartford packages crime inside Private Choice Premier and a financial-institutions fidelity track."
canonical: "https://spot.insure/compare/embroker-vs-the-hartford/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Embroker vs The Hartford Crime Insurance

Embroker sells standalone crime or a BOP/D&O endorsement with named exclusions; The Hartford packages crime inside Private Choice Premier and a financial-institutions fidelity track.

## Research Scope and Use

Use this comparison to evaluate Embroker and The Hartford 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 as a standalone policy or BOP/D&O endorsement and lists exclusions such as income loss and executive-employee collusion. The Hartford offers crime as one of five Private Choice Premier options and separately as bond and commercial crime (fidelity) for financial institutions, for nonprofits, public companies and privately held firms. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## 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 The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. [5](https://www.thehartford.com/legal-notice "Legal Notice") [6](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [7](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## 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 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. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

### 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. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

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. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## What to Confirm in Crime Insurance Quotes

- Ask The Hartford whether crime sits in Private Choice Premier or the financial-institutions fidelity track. [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Ask Embroker whether the quote is standalone, an endorsement, or a fidelity bond. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")
- Match Embroker’s published exclusions to the bound Hartford policy. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Confirm whether robbery (Hartford’s example) and social-engineering fraud (Embroker’s list) appear on each bound policy. [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")

## Offering Details

| Criteria | Embroker Commercial Crime Insurance | The Hartford Crime Insurance |
| --- | --- | --- |
| 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..) | 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. [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 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..) | The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: 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. [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..) | 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. [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23. General coverage description; the issued policy controls..) |
| 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. |

## Full Comparison

- [Embroker vs The Hartford](https://spot.insure/compare/embroker-vs-the-hartford): 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 The Hartford Business Owner’s Policy](https://spot.insure/compare/embroker-vs-the-hartford/business-owners-policy)
- [Embroker vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/embroker-vs-the-hartford/commercial-auto)
- [Embroker vs The Hartford Commercial Property Insurance](https://spot.insure/compare/embroker-vs-the-hartford/commercial-property)
- [Embroker vs The Hartford Cyber Insurance](https://spot.insure/compare/embroker-vs-the-hartford/cyber)
- [Embroker vs The Hartford D&O Insurance](https://spot.insure/compare/embroker-vs-the-hartford/directors-officers)
- [Embroker vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/embroker-vs-the-hartford/employment-practices)
- [Embroker vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/embroker-vs-the-hartford/fiduciary)
- [Embroker vs The Hartford General Liability Insurance](https://spot.insure/compare/embroker-vs-the-hartford/general-liability)
- [Embroker vs The Hartford Management Liability Insurance](https://spot.insure/compare/embroker-vs-the-hartford/management-liability)
- [Embroker vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/embroker-vs-the-hartford/professional-errors-omissions)
- [Embroker vs The Hartford Tech E&O Insurance](https://spot.insure/compare/embroker-vs-the-hartford/technology-errors-omissions)
- [Embroker vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/embroker-vs-the-hartford/workers-compensation)
- [Alliance Risk vs Embroker Crime Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/crime)
- [Alliance Risk vs The Hartford Crime Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/crime)
- [Beazley vs Embroker Crime Insurance](https://spot.insure/compare/beazley-vs-embroker/crime)
- [Beazley vs The Hartford Crime Insurance](https://spot.insure/compare/beazley-vs-the-hartford/crime)
- [CFC vs Embroker Crime Insurance](https://spot.insure/compare/cfc-vs-embroker/crime)
- [CFC vs The Hartford Crime Insurance](https://spot.insure/compare/cfc-vs-the-hartford/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.

### The Hartford

5. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
6. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
7. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
8. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Crime Insurance section; Who Does Management Liability Insurance Protect?; Management and Professional Liability Insurance for Financial Institutions (Bond and commercial crime (fidelity)). 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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