Lockton vs USI Insurance Services: How Do They Compare for Crime Insurance?

Lockton places crime for organizations of any sector as a brokered program; USI Insurance Services brokers crime for janitorial, staffing, repair and printing companies and checks existing crime cover in its ExecuSafe review.

Lockton fits buyers who want a dedicated crime claims team and protections such as social-engineering impersonation; USI names building, repair, janitorial, staffing and printing businesses and offers an ExecuSafe gap review. ^1,^2,³

What Are the Key Differences Between Lockton and USI Insurance Services Crime Insurance?

USI’s trade list can help building, janitorial or staffing companies decide whether to contact its Business Services team. Lockton serves a broader stated audience and names a claims team that handles crime losses. ² ¹

Cross-Sector Crime and Fidelity Versus Trade and ExecuSafe Paths

Lockton places Crime and Fidelity as a brokered program, not a policy it underwrites. USI brokers crime covering employee theft and related fraud, either as a standalone placement or as part of a management-liability review under ExecuSafe. Neither reviewed page names the insurer. ¹ ² ³

Listed Claim Types Versus Classification Reviews

Lockton lists employee theft, forgery or alteration, theft on or off premises, computer fraud, counterfeit currency, and social-engineering impersonation fraud, and notes financial institution bonds as distinct from general crime. USI’s Business Services practice, which lists crime coverage, says it targets building and maintenance, repair service, janitorial, staffing and printing companies, and says it offers classification and exposure reviews, claim advocacy and risk control across lines including crime. ExecuSafe checks existing crime coverage for gaps. ¹ ² ³

Claims Counsel Versus Named Inboxes

Lockton says its Professional & Executive Risk Claims team integrates insurance and claims counsel within the broking team, and says crime coverage is relevant to nonprofit, private and public organizations of any sector, with small businesses particularly exposed. USI splits crime intake between a Business Services inbox or local office and a Select Business inbox for ExecuSafe. Neither page publishes crime limits. ¹ ² ³

What Should You Confirm in Lockton and USI Insurance Services Crime Insurance Quotes?

Ask USI whether crime is standalone or part of ExecuSafe, and which inbox will handle you. ² ³
Ask how Lockton’s Professional & Executive Risk Claims team would handle a theft claim versus USI claim advocacy. ¹ ²
If you are a financial institution, ask Lockton whether a financial institution bond is required. ¹
Get the writing company and limits from both. ¹ ²

Lockton vs USI Insurance Services Crime Insurance Compared

Lockton vs USI Insurance Services: Crime Insurance: documented features by provider

Criteria	Lockton Crime and Fidelity Insurance Brokerage	USI Crime Insurance Brokerage
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.	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. ²Company-reported. Company description of client base.
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.	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. ^2,³Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements 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.	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. ^2,³Company-reported. Business Services catalogue and ExecuSafe article.