Lockton vs 
The Hartford Crime Insurance
Lockton brokers crime and fidelity with in-team claims counsel; The Hartford underwrites crime in Private Choice Premier and as financial-institutions fidelity.
What Is Lockton?
Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. 1,2,3
What Is The Hartford?
The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. 5,6,7
What Is Crime Insurance?
Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. 9
Key Differences in Crime Insurance
Broker Versus Hartford as Insurer
Lockton places Crime and Fidelity as a brokered program, not a policy Lockton underwrites, and its page does not name the insurers it places with. The Hartford’s crime insurance is one of five options in Private Choice Premier and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. 4 8
Itemized Agreements Versus Robbery Example
Lockton lists employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social-engineering impersonation fraud. The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. 4 8
Who Can Buy
Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector and calls out small businesses as particularly exposed. The Hartford’s crime coverage is available to nonprofit organizations, publicly traded companies and privately held companies as part of its management-liability lineup. 4 8
What to Confirm in Crime Insurance Quotes
- Ask The Hartford whether crime sits in Private Choice Premier or on the financial-institutions bond and commercial-crime track. 8
- If you are a financial institution, ask Lockton whether a financial institution bond is required versus Hartford’s financial-institutions track. 4 8
- Ask how Lockton’s Professional & Executive Risk Claims team would handle a claim. 4
- Confirm whether computer fraud and social-engineering impersonation, which Lockton lists, appear on The Hartford form. 4 8
Offering Details
Lockton vs The Hartford Crime Insurance: documented features by provider
| Criteria | Lockton Crime and Fidelity Insurance Brokerage | The Hartford Crime Insurance |
|---|---|---|
| Role in This Line | Lockton places Crime and Fidelity insurance to protect businesses against financial losses from theft, fraud, forgery and embezzlement by employees or third parties; it describes this as a brokered program, not a policy Lockton underwrites. 4Company-reported. Crime and Fidelity product page as read 2026-09-23. | The Hartford's crime insurance is one of five options in its Private Choice Premier management-liability package, and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. 8Company-reported. Management liability product page as read 2026-09-23. |
| Issuing Insurer | The page does not name the insurers Lockton places crime and fidelity coverage with. 4Not publicly disclosed. Crime and Fidelity page checked 2026-09-23. | Not described in the reviewed sources. |
| Who It’s For | Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector, and calls out small businesses as particularly exposed because they often lack fraud-prevention and auditing resources. It also notes financial institutions are frequently required to carry a financial institution bond, distinct from general crime coverage. 4Company-reported. Crime and Fidelity product page as read 2026-09-23. | The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. 8Company-reported. Management liability product page as read 2026-09-23. |
| Coverage Features | Lockton lists the claim types a crime and fidelity program is meant to address: employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social engineering (impersonation) fraud involving customers, vendors or employees. 4Company-reported. Product page as read 2026-09-23; a capability/claim-type list, not a specimen policy. | The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. 8Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls. |
| Claims Support | Lockton says its Professional & Executive Risk Claims team, which integrates insurance and claims counsel within the broking team rather than treating claims advocacy as a separate profit center, handles Crime and Fidelity claims. 4Company-reported. Product page as read 2026-09-23. Describes Lockton's advocacy role, not an insurer's claim-paying obligation. | Not described in the reviewed sources. |
Full Comparison
More Lockton vs The Hartford Comparisons
Other Crime Insurance Comparisons
Sources
Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- Technology. Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
- US Terms of Business. Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
- Crime and Fidelity Insurance. Lockton; What is Crime and Fidelity Insurance?; Who needs to purchase Crime and Fidelity Insurance?; Types of Crime and Fidelity claims; Claims management. Accessed 2026-09-23.
The Hartford
- Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
- SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
- Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
- Management Liability Insurance | Get a Quote. The Hartford; Crime Insurance section; Who Does Management Liability Insurance Protect?; Management and Professional Liability Insurance for Financial Institutions (Bond and commercial crime (fidelity)). Accessed 2026-09-23.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
