Lockton vs Travelers: How Do They Compare for Crime Insurance?

Travelers underwrites fidelity and crime through multiple insuring agreements, bought through an independent agent; Lockton places crime and fidelity as a brokered program, with a claims team inside its broking team.

Lockton fits buyers who want a dedicated crime claims team and a listed social-engineering claim type; Travelers offers multiple agreements and an optional social-engineering endorsement through independent agents. ^1,²

What Are the Key Differences Between Lockton and Travelers Crime Insurance?

Both describe social-engineering protection, but Travelers offers it as a separate endorsement while Lockton lists impersonation among its crime claim types. Compare sublimits, payment controls and claim support on the quoted forms. ² ¹

Broker Versus Travelers as Writer

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. Travelers underwrites fidelity and crime through multiple insuring agreements sold under Management & Professional Liability rather than as a single fixed policy. Travelers’ product-page video disclosure names Travelers Casualty and Surety Company of America and property casualty affiliates. ¹ ²

Lockton lists employee theft, forgery or alteration, theft on or off premises, computer fraud, counterfeit currency, and social-engineering impersonation fraud involving customers, vendors or employees. Travelers says the coverage addresses loss from forgery or alteration, loss of money and securities, and reimbursement for claim expenses, and lists employee dishonesty and theft, funds-transfer fraud, computer fraud, employee fraud and social-engineering fraud. Travelers offers a social-engineering fraud endorsement and publishes Coverage 101 and social-engineering protection resources. ¹ ²

Nonprofit, Private and Public Buyers

Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector. Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. Neither reviewed page publishes limits, deductibles or premiums. ¹ ²

What Should You Confirm in Lockton and Travelers Crime Insurance Quotes?

Ask which Travelers entity would issue the policy versus which carrier Lockton would place. ² ¹
Ask Travelers whether the social-engineering fraud endorsement is included, and ask Lockton whether impersonation fraud is on the placed form. ² ¹
If you are a financial institution, ask Lockton whether a financial institution bond is required. ¹
Confirm dollar limits; neither reviewed page publishes standard figures. ² ¹

Lockton vs Travelers Crime Insurance Compared

Lockton vs Travelers: Crime Insurance: documented features by provider

Criteria	Lockton Crime and Fidelity Insurance Brokerage	Travelers Fidelity & 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. ¹Company-reported. Crime and Fidelity product page as read 2026-09-23.	Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. ²Company-reported. Product page "Who is fidelity and crime coverage right for?" section.
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. ¹Company-reported. Product page as read 2026-09-23; a capability/claim-type list, not a specimen policy.	Travelers says the coverage addresses loss from forgery or alteration, loss of money and securities, and reimbursement for claim expenses, protecting against threats such as employee dishonesty and theft, funds transfer fraud, computer fraud, employee fraud and social engineering fraud. ²Company-reported. Product page "What is fidelity and crime coverage?" and "Types of fidelity and crime claims" sections; exact terms and exclusions are set by the issued policy.
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. ¹Company-reported. Crime and Fidelity product page as read 2026-09-23.	Travelers underwrites fidelity and crime coverage through multiple insuring agreements sold under the Management & Professional Liability line, rather than as a single fixed policy. ²Company-reported. Product page "What is fidelity and crime coverage?" section.