---
title: "Lockton vs Travelers: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/lockton-vs-travelers/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "lockton-vs-travelers"
provider-a: "lockton"
provider-b: "travelers"
coverage-line: "crime"
---

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

## Agent Guide

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

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

**Key facts:**
- Line: Crime Insurance. Providers: Lockton and Travelers.
- 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 Travelers](https://spot.insure/compare/lockton-vs-travelers) — 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
- [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile

# 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 offers a dedicated crime claims team and lists social-engineering impersonation; Travelers provides multiple agreements and an optional social-engineering endorsement through agents.

## Lockton vs Travelers Crime Insurance Summary

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](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")

## 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](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

### 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](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")

### Social-Engineering as a Listed Claim Type Versus an Endorsement

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](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")

### 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](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")

## 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](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- Ask Travelers whether the social-engineering fraud endorsement is included, and ask Lockton whether impersonation fraud is on the placed form. [2](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- If you are a financial institution, ask Lockton whether a financial institution bond is required. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- Confirm dollar limits; neither reviewed page publishes standard figures. [2](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

## Lockton vs Travelers Crime Insurance Compared

| 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. [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..) | Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. [2](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [2](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: 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. [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..) | Travelers underwrites fidelity and crime coverage through multiple insuring agreements sold under the Management & Professional Liability line, rather than as a single fixed policy. [2](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: Product page "What is fidelity and crime coverage?" section..) |

## About Lockton and Travelers and Crime Insurance

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

## Related Pages for Lockton vs Travelers Crime Insurance

- [Lockton vs Travelers](https://spot.insure/compare/lockton-vs-travelers): 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)
- [Travelers Crime Insurance](https://spot.insure/insurance-providers/travelers/crime)

## Sources for Lockton vs Travelers 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 Travelers

2. [Fidelity & Crime Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime). Travelers; What is fidelity and crime coverage?; Who is fidelity and crime coverage right for?; Types of fidelity and crime claims; video legal footer naming Travelers Casualty and Surety Company of America. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/lockton-vs-travelers/crime.md)
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