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

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

## Agent Guide

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

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

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

# 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 serves public, private and nonprofit buyers with a dedicated claims team; USI names business-services trades and can place crime standalone or review it through ExecuSafe.

## Lockton vs USI Insurance Services Crime Insurance Summary

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](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

## 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

### 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](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

### 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](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

### 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](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

## 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")
- Ask how Lockton’s Professional & Executive Risk Claims team would handle a theft claim versus USI claim advocacy. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://www.usi.com/property-casualty/business-services/ "Business Services")
- 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")
- Get the writing company and limits from both. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://www.usi.com/property-casualty/business-services/ "Business Services")

## Lockton vs USI Insurance Services Crime Insurance Compared

| 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. [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..) | 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. [2](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: 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. [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..) | 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: 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. [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..) | 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Business Services catalogue and ExecuSafe article..) |

## About Lockton and USI Insurance Services and Crime Insurance

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

## Related Pages for Lockton vs USI Insurance Services Crime Insurance

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

## Sources for Lockton vs USI Insurance Services 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 USI Insurance Services

2. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Crime.... Accessed 2026-09-23.
3. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime).. 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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- [Markdown page](https://spot.insure/compare/lockton-vs-usi/crime.md)
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