---
title: "Embroker vs USI Insurance Services: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/embroker-vs-usi/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "embroker-vs-usi"
provider-a: "embroker"
provider-b: "usi"
coverage-line: "crime"
---

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[Human-readable page](https://spot.insure/compare/embroker-vs-usi/crime)

## Agent Guide

**What this page is:** Focused comparison of Embroker and USI Insurance Services for Crime Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Crime Insurance questions about Embroker versus USI Insurance Services. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Embroker vs USI Insurance Services for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Embroker or USI Insurance Services?
- What does Embroker or USI Insurance Services publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: Embroker and USI Insurance Services.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Embroker vs USI Insurance Services](https://spot.insure/compare/embroker-vs-usi) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile
- [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile

# 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 offers standalone crime or a BOP/D&O add-on with named exclusions; USI focuses on business-services trades and can review existing crime through ExecuSafe.

## Embroker vs USI Insurance Services Crime Insurance Summary

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](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

## 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](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")

### 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](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

### 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](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [2](https://www.usi.com/property-casualty/business-services/ "Business Services")

### 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](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [2](https://www.usi.com/property-casualty/business-services/ "Business Services")

## 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](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")
- Ask Embroker whether you need a crime policy or a customer-reimbursing fidelity bond. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")
- Match Embroker’s exclusion list to USI’s placed form. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [2](https://www.usi.com/property-casualty/business-services/ "Business Services")
- Ask how USI’s claim advocacy and risk control, described across Business Services lines, would apply to a crime loss. [2](https://www.usi.com/property-casualty/business-services/ "Business Services")

## Embroker vs USI Insurance Services Crime Insurance Compared

| 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. [1](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..) | 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. [2](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: 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. [1](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. [1](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. [1](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..) | 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: 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. [1](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..) | 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Business Services catalogue and ExecuSafe article..) |

## About Embroker and USI Insurance Services and Crime Insurance

- [Embroker company profile](https://spot.insure/insurance-providers/embroker) · [Embroker customer reviews](https://spot.insure/insurance-providers/embroker/reviews)
- [USI Insurance Services company profile](https://spot.insure/insurance-providers/usi) · [USI Insurance Services customer reviews](https://spot.insure/insurance-providers/usi/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Embroker vs USI Insurance Services Crime Insurance

- [Embroker vs USI Insurance Services](https://spot.insure/compare/embroker-vs-usi): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [Embroker Crime Insurance](https://spot.insure/insurance-providers/embroker/crime)
- [USI Insurance Services Crime Insurance](https://spot.insure/insurance-providers/usi/crime)

## Sources for Embroker vs USI Insurance Services Crime Insurance

### Sources About Embroker

1. [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.

### Sources About USI Insurance Services

2. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Crime.... Accessed 2026-09-23.
3. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime).. Accessed 2026-09-23.

Updated 2026-09-25. 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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- [Markdown page](https://spot.insure/compare/embroker-vs-usi/crime.md)
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