The Hartford vs 
Travelers: How Do They Compare for Crime Insurance?
The Hartford offers crime as one of five options in its Private Choice Premier management-liability package; Travelers underwrites fidelity and crime through several insuring agreements, including a social engineering fraud endorsement, bought through an independent agent.
The Hartford fits buyers looking for crime within Private Choice Premier or financial-institutions fidelity; Travelers spells out more crime agreements, including a social-engineering endorsement, through independent agents. 1,2
What Are the Key Differences Between The Hartford and Travelers Crime Insurance?
How the Product Is Sold
The Hartford offers a separate financial-institutions bond and commercial-crime option; Travelers sells crime through independent agents as part of Management & Professional Liability. 1 2
What Each Describes as Covered
The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, with an example of an employee stealing money from a cash register. Travelers says the coverage addresses forgery or alteration, loss of money and securities, and claim-expense reimbursement, and lists employee dishonesty and theft, funds-transfer fraud, computer fraud, employee fraud and social-engineering fraud, plus a social-engineering fraud endorsement. 1 2
Who It Is Marketed To
The Hartford makes crime available to nonprofit organizations, publicly traded companies and privately held companies as part of its management-liability lineup. Travelers markets fidelity and crime to nonprofit organizations, private companies and public companies, bought through a Travelers independent agent. Travelers does not publish limits, deductibles or premiums as policy terms. 1 2
What Should You Confirm in The Hartford and Travelers Crime Insurance Quotes?
- Ask The Hartford whether crime is quoted inside Private Choice Premier or as financial-institutions bond and commercial crime (fidelity). 1
- Ask which Travelers affiliate issues the policy and which insuring agreements and the social-engineering endorsement are attached. 2
- Match Travelers’ named fraud types against the Hartford wording on the quote, which the public page illustrates with theft, forgery and robbery. 2 1
- Confirm you are buying Travelers through an independent agent. 2
The Hartford vs Travelers Crime Insurance Compared
The Hartford vs Travelers: Crime Insurance: documented features by provider
| Criteria | The Hartford Crime Insurance | Travelers Fidelity & Crime Insurance |
|---|---|---|
| Who It’s For | The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. 1Company-reported. Management liability 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 | 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. 1Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls. | 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 | 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. 1Company-reported. Management liability 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. |
