Embroker vs Travelers: How Do They Compare for Crime Insurance?

Embroker sells a standalone crime policy and lists its exclusions; Travelers underwrites fidelity and crime through multiple insuring agreements bought via independent agents.

Embroker fits smaller businesses seeking standalone crime or a BOP/D&O add-on; Travelers suits buyers comparing multiple crime agreements or an optional social-engineering endorsement through an independent agent. ^1,²

What Are the Key Differences Between Embroker and Travelers Crime Insurance?

Embroker also lists those overlapping perils but explicitly excludes income loss, some third-party liabilities and certain stolen-data cyber losses. ² ¹

Seller of a Form Versus Underwriter

Embroker sells commercial crime as a standalone policy or as a BOP or D&O endorsement. Travelers underwrites fidelity and crime through multiple insuring agreements in its Management & Professional Liability line, rather than as a single fixed policy, and you buy it through a Travelers independent agent. ¹ ²

Issuer Disclosure

Travelers’ video disclosure names Travelers Casualty and Surety Company of America and property casualty affiliates, while noting the issuing entity can vary. Embroker’s reviewed crime page does not name an issuing insurer. ² ¹

Endorsements, Exclusions and Buyer Mix

Travelers lists forgery or alteration, loss of money and securities, claim-expense reimbursement, employee dishonesty, funds-transfer fraud, computer fraud and social-engineering fraud, and it offers a social-engineering fraud endorsement plus Coverage 101 resources. Embroker lists overlapping perils including money laundering and counterfeit currency, then excludes income loss, executive-employee collusion, third-party liabilities from crime, and cybercrime involving stolen patents, trade secrets or customer lists. Travelers markets to nonprofits, private companies and public companies. Embroker highlights cash, part-time staff, inventory and customer data, and distinguishes customer-reimbursing fidelity bonds. ² ¹

What Should You Confirm in Embroker and Travelers Crime Insurance Quotes?

Ask Travelers whether the social-engineering fraud endorsement is included. ²
Ask Embroker whether the quote is standalone, an endorsement, or a fidelity bond. ¹
Compare Embroker’s collusion and income-loss exclusions with Travelers’ issued agreements. ¹ ²
Confirm the Travelers issuing company on the declarations. ²

Embroker vs Travelers Crime Insurance Compared

Embroker vs Travelers: Crime Insurance: documented features by provider

Criteria	Embroker Commercial Crime Insurance	Travelers Fidelity & 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.	Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. ²Company-reported. Product page "Who is fidelity and crime coverage right for?" section.
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.	Travelers says the coverage addresses loss from forgery or alteration, loss of money and securities, and reimbursement for claim expenses, protecting against threats such as employee dishonesty and theft, funds transfer fraud, computer fraud, employee fraud and social engineering fraud. ²Company-reported. Product page "What is fidelity and crime coverage?" and "Types of fidelity and crime claims" sections; exact terms and exclusions are set by the issued policy.
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.	Travelers underwrites fidelity and crime coverage through multiple insuring agreements sold under the Management & Professional Liability line, rather than as a single fixed policy. ²Company-reported. Product page "What is fidelity and crime coverage?" section.

Criteria

Embroker Commercial Crime Insurance

Travelers Fidelity & 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.

Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. ²Company-reported. Product page "Who is fidelity and crime coverage right for?" section.

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.

Travelers says the coverage addresses loss from forgery or alteration, loss of money and securities, and reimbursement for claim expenses, protecting against threats such as employee dishonesty and theft, funds transfer fraud, computer fraud, employee fraud and social engineering fraud. ²Company-reported. Product page "What is fidelity and crime coverage?" and "Types of fidelity and crime claims" sections; exact terms and exclusions are set by the issued policy.

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.

Travelers underwrites fidelity and crime coverage through multiple insuring agreements sold under the Management & Professional Liability line, rather than as a single fixed policy. ²Company-reported. Product page "What is fidelity and crime coverage?" section.