Embroker vs USI Insurance Services 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.

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. ^8,9Company-reported. Business Services catalogue and ExecuSafe article.

Not described in the reviewed sources.

Neither page names the insurer USI uses for crime placements. ⁸Not publicly disclosed. Pages as read on 2026-09-23.

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.

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. ⁸Company-reported. Company description of client base.

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.

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. ^8,9Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements 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.

Neither page publishes crime coverage limit or retention figures. ⁸Not publicly disclosed. Pages as read on 2026-09-23.

Not described in the reviewed sources.

USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across its coverage lines including crime, and its ExecuSafe process specifically checks existing crime coverage for gaps. ^8,9Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step.

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.

USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. ^8,9Company-reported. Contact instructions on each page.