The Hartford vs 
Travelers Crime Insurance
The Hartford sells crime in Private Choice Premier and as financial-institutions fidelity; Travelers underwrites named agreements through independent agents.
What Is The Hartford?
The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. 1,2,3
What Is Travelers Insurance?
Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. 5,6,7
What Is Crime Insurance?
Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. 9
Key Differences in Crime Insurance
How the Product Is Sold
The Hartford’s crime insurance is one of five options in Private Choice Premier and is also offered as bond and commercial crime (fidelity) on its financial-institutions track. Travelers underwrites fidelity and crime through multiple insuring agreements under Management & Professional Liability rather than as a single fixed policy, and the product-page video names Travelers Casualty and Surety Company of America and its property-casualty affiliates. 4 8
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. 4 8
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. 4 8
What to Confirm in Crime Insurance Quotes
- Ask The Hartford whether crime is quoted inside Private Choice Premier or as financial-institutions bond and commercial crime (fidelity). 4
- Ask which Travelers affiliate issues the policy and which insuring agreements and the social-engineering endorsement are attached. 8
- Match Travelers’ named fraud types against the Hartford wording on the quote, which the public page illustrates with theft, forgery and robbery. 8 4
- Confirm you are buying Travelers through an independent agent. 8
Offering Details
The Hartford vs Travelers Crime Insurance: documented features by provider
| Criteria | The Hartford Crime Insurance | Travelers Fidelity & Crime Insurance |
|---|---|---|
| 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. 4Company-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. 8Company-reported. Product page "What is fidelity and crime coverage?" section. |
| Issuing Insurer | Not described in the reviewed sources. | The product page's video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. 8Company-reported. Product page video legal footer. |
| 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. 4Company-reported. Management liability product page as read 2026-09-23. | Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. 8Company-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. 4Company-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. 8Company-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. |
| Limits and Retentions | Not described in the reviewed sources. | The reviewed page does not publish limits, deductibles or premiums for fidelity and crime coverage; it cites a median fraud loss of $130,000 and says at least one in five cases costs $1 million or more as general risk context, not as policy terms. 8Not found in reviewed sources. Product page video statistics and general text as read on 2026-09-23. |
| Risk Services | Not described in the reviewed sources. | Travelers offers a social engineering fraud endorsement and publishes guidance such as "Coverage 101" and social-engineering protection resources alongside the product. 8Company-reported. Product page Resources section. |
| How to Apply | Not described in the reviewed sources. | Fidelity and crime coverage is bought through a Travelers independent agent. 8Company-reported. Product page "Find an insurance agent" call to action. |
Full Comparison
More The Hartford vs Travelers Comparisons
Other Crime Insurance Comparisons
Sources
The Hartford
- Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
- SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
- Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
- Management Liability Insurance | Get a Quote. The Hartford; Crime Insurance section; Who Does Management Liability Insurance Protect?; Management and Professional Liability Insurance for Financial Institutions (Bond and commercial crime (fidelity)). Accessed 2026-09-23.
Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Fidelity & Crime Insurance. 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.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
