Travelers vs USI Insurance Services Crime Insurance

Travelers underwrites fidelity and crime coverage through multiple insuring agreements sold under the Management & Professional Liability line, rather than as a single fixed policy. ⁴Company-reported. Product page "What is fidelity and crime coverage?" section.

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. ^8,9Company-reported. Business Services catalogue and ExecuSafe article.

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. ⁴Company-reported. Product page video legal footer.

Neither page names the insurer USI uses for crime placements. ⁸Not publicly disclosed. Pages as read on 2026-09-23.

Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. ⁴Company-reported. Product page "Who is fidelity and crime coverage right for?" section.

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. ⁸Company-reported. Company description of client base.

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. ⁴Company-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.

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. ^8,9Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy.

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. ⁴Not found in reviewed sources. Product page video statistics and general text as read on 2026-09-23.

Neither page publishes crime coverage limit or retention figures. ⁸Not publicly disclosed. Pages as read on 2026-09-23.

Travelers offers a social engineering fraud endorsement and publishes guidance such as "Coverage 101" and social-engineering protection resources alongside the product. ⁴Company-reported. Product page Resources section.

USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across its coverage lines including crime, and its ExecuSafe process specifically checks existing crime coverage for gaps. ^8,9Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step.

Fidelity and crime coverage is bought through a Travelers independent agent. ⁴Company-reported. Product page "Find an insurance agent" call to action.

USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. ^8,9Company-reported. Contact instructions on each page.