Embroker vs USI Insurance Services: How Do They Compare for Crime Insurance?

Embroker sells standalone crime; USI Insurance Services is a broker that reviews existing crime cover in ExecuSafe and serves building maintenance, janitorial, staffing and printing companies.

Embroker fits smaller businesses seeking standalone crime or a BOP/D&O add-on, with exclusions including income loss; USI names building, janitorial, staffing and printing trades and can review existing coverage through ExecuSafe. ^1,^2,³

What Are the Key Differences Between Embroker and USI Insurance Services Crime Insurance?

If your current management-liability program may have crime gaps, USI describes an ExecuSafe review; Embroker instead offers a standalone policy or add-on and lists exclusions to check, including income loss and executive collusion. ³ ¹

How Crime Is Sold

Embroker sells commercial crime as a standalone policy or as a BOP or D&O endorsement. USI brokers crime covering employee theft and related fraud, either as a standalone placement or as part of an ExecuSafe management-liability review. ¹ ² ³

Coverage Each Describes

Embroker lists employee theft, third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social-engineering fraud, and names exclusions for income loss, executive-employee collusion, third-party liabilities from crime, and cybercrime involving patents, trade secrets or customer lists. USI lists crime among the coverages it places for business-services clients. ¹ ²

Price and Limit Figures

Embroker says crime insurance pricing depends on employee count and locations, revenue, office security measures and financial controls, that fidelity bonds typically cost 0.5% to 2% of bond value, and that it does not publish standard policy limits. USI’s reviewed pages do not publish crime coverage limit or retention figures. ¹ ²

What Should You Confirm in Embroker and USI Insurance Services Crime Insurance Quotes?

Ask USI whether the work is a new crime placement or an ExecuSafe gap review. ³
Ask Embroker whether you need a crime policy or a customer-reimbursing fidelity bond. ¹
Match Embroker’s exclusion list to USI’s placed form. ¹ ²
Ask how USI’s claim advocacy and risk control, described across Business Services lines, would apply to a crime loss. ²

Embroker vs USI Insurance Services Crime Insurance Compared

Embroker vs USI Insurance Services: Crime Insurance: documented features by provider

Criteria	Embroker Commercial Crime Insurance	USI Crime Insurance Brokerage
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.	USI's Business Services practice, which lists crime coverage, says it targets building and maintenance, repair service, janitorial, staffing and printing companies, citing employee errors and misconduct as one of the risk exposures it addresses for them. ²Company-reported. Company description of client base.
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.	USI lists crime among the coverages it places for business-services clients, and its ExecuSafe review checks a client's existing crime coverage as part of a broader management liability review. ^2,³Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements 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.	USI brokers crime insurance, which covers losses from employee theft and related fraud, either as a standalone placement or as part of a management liability review under ExecuSafe. ^2,³Company-reported. Business Services catalogue and ExecuSafe article.

Criteria

Embroker Commercial Crime Insurance

USI Crime Insurance Brokerage

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.

USI's Business Services practice, which lists crime coverage, says it targets building and maintenance, repair service, janitorial, staffing and printing companies, citing employee errors and misconduct as one of the risk exposures it addresses for them. ²Company-reported. Company description of client base.

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.

USI lists crime among the coverages it places for business-services clients, and its ExecuSafe review checks a client's existing crime coverage as part of a broader management liability review. ^2,³Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements 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.

USI brokers crime insurance, which covers losses from employee theft and related fraud, either as a standalone placement or as part of a management liability review under ExecuSafe. ^2,³Company-reported. Business Services catalogue and ExecuSafe article.