Embroker vs Travelers Crime Insurance

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. ⁴Company-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. ⁸Company-reported. Product page "What is fidelity and crime coverage?" section.

Not described in the reviewed sources.

The product page's video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. ⁸Company-reported. Product page video legal footer.

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. ⁴Company-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. ⁸Company-reported. Product page "Who is fidelity and crime coverage right for?" section.

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. ⁴Company-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. ⁴Company-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. ⁴Company-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. ⁸Company-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.

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. ⁴Company-reported. Product-page 'What does Commercial Crime insurance cost?' section.

The reviewed page does not publish limits, deductibles or premiums for fidelity and crime coverage; it cites a median fraud loss of $130,000 and says at least one in five cases costs $1 million or more as general risk context, not as policy terms. ⁸Not found in reviewed sources. Product page video statistics and general text as read on 2026-09-23.

Not described in the reviewed sources.

Travelers offers a social engineering fraud endorsement and publishes guidance such as "Coverage 101" and social-engineering protection resources alongside the product. ⁸Company-reported. Product page Resources section.

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. ⁴Not publicly disclosed. Product page as read on 2026-09-23.

Fidelity and crime coverage is bought through a Travelers independent agent. ⁸Company-reported. Product page "Find an insurance agent" call to action.