---
title: "Lockton vs The Hartford: Crime Insurance"
description: "Lockton fits buyers who value a dedicated crime claims team and itemized perils; The Hartford names public, private and nonprofit buyers and has a distinct bond and commercial-crime track for financial institutions."
canonical: "https://spot.insure/compare/lockton-vs-the-hartford/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "lockton-vs-the-hartford"
provider-a: "lockton"
provider-b: "the-hartford"
coverage-line: "crime"
---

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[Human-readable page](https://spot.insure/compare/lockton-vs-the-hartford/crime)

## Agent Guide

**What this page is:** Focused comparison of Lockton and The Hartford 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 Lockton versus The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Crime Insurance. Providers: Lockton and The Hartford.
- 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:**
- [Lockton vs The Hartford](https://spot.insure/compare/lockton-vs-the-hartford) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# Lockton vs The Hartford: How Do They Compare for Crime Insurance?

One of five options in The Hartford's Private Choice Premier package is crime, for nonprofit, public and private companies; Lockton instead places crime and fidelity as a brokered program.

Lockton serves private, public and nonprofit buyers with named crime perils and a claims team; The Hartford offers crime in Private Choice Premier and a separate financial-institutions track.

## Lockton vs The Hartford Crime Insurance Summary

Lockton fits buyers who value a dedicated crime claims team and itemized perils; The Hartford names public, private and nonprofit buyers and has a distinct bond and commercial-crime track for financial institutions. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## What Are the Key Differences Between Lockton and The Hartford Crime Insurance?

Financial institutions should ask The Hartford whether its separate bond and commercial-crime track fits their requirement. Lockton also flags that these organizations may need a financial institution bond, distinct from general crime coverage. [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity 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. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

### 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. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

### 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. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## What Should You Confirm in Lockton and The Hartford Crime Insurance Quotes?

- Ask The Hartford whether crime sits in Private Choice Premier or on the financial-institutions bond and commercial-crime track. [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- If you are a financial institution, ask Lockton whether a financial institution bond is required versus Hartford’s financial-institutions track. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Ask how Lockton’s Professional & Executive Risk Claims team would handle a claim. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- Confirm whether computer fraud and social-engineering impersonation, which Lockton lists, appear on The Hartford form. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## Lockton vs The Hartford Crime Insurance Compared

| Criteria | Lockton Crime and Fidelity Insurance Brokerage | The Hartford Crime Insurance |
| --- | --- | --- |
| 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. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: 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. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23. General coverage description; the issued policy controls..) |
| 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. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23..) |

## About Lockton and The Hartford and Crime Insurance

- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Lockton vs The Hartford Crime Insurance

- [Lockton vs The Hartford](https://spot.insure/compare/lockton-vs-the-hartford): 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.
- [Lockton Crime Insurance](https://spot.insure/insurance-providers/lockton/crime)
- [The Hartford Crime Insurance](https://spot.insure/insurance-providers/the-hartford/crime)

## Sources for Lockton vs The Hartford Crime Insurance

### Sources About Lockton

1. [Crime and Fidelity Insurance](https://global.lockton.com/us/en/products-services/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.

### Sources About The Hartford

2. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). 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.

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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