Travelers vs 
USI Insurance Services: How Do They Compare for Crime Insurance?
Travelers underwrites fidelity and crime itself and sells it through its independent agents; USI Insurance Services brokers crime for business-services clients such as janitorial and staffing companies, and its ExecuSafe review checks existing crime cover for gaps.
Travelers details separate agreements for employee theft, funds-transfer, computer and social-engineering fraud; USI targets service trades and can check existing crime cover through ExecuSafe. 1,2,3
What Are the Key Differences Between Travelers and USI Insurance Services Crime Insurance?
Carrier Versus Broker
Travelers presents fidelity and crime under Management & Professional Liability, with agreements for forgery, money and securities, employee dishonesty, funds-transfer, computer and social-engineering fraud. USI brokers standalone crime and ExecuSafe reviews; its reviewed pages do not name the issuing insurer. 1 2 3
Named Agreements Versus Catalogue Listing
Travelers says the coverage addresses forgery or alteration, loss of money and securities, claim-expense reimbursement, employee dishonesty and theft, funds-transfer fraud, computer fraud, employee fraud and social-engineering fraud, and offers a social-engineering fraud endorsement. USI lists crime among coverages for business-services clients and describes it as covering employee theft and related fraud, without publishing those separate agreements. 1 2
Who Buys and How
Travelers markets to nonprofits, private companies and public companies and sells through a Travelers independent agent. USI’s Business Services practice targets building and maintenance, repair, janitorial, staffing and printing companies, with ExecuSafe aimed at management-liability review, and directs email to published business-services or Select Business inboxes. USI describes claim advocacy and ExecuSafe gap checks; Travelers publishes Coverage 101 and social-engineering resources. Neither page publishes crime limits as policy terms. 1 2 3
What Should You Confirm in Travelers and USI Insurance Services Crime Insurance Quotes?
- Ask which Travelers affiliate issues the policy and which agreements and the social-engineering endorsement attach. 1
- Get USI’s issuing carrier and whether the quote is standalone or ExecuSafe. 2 3
- Compare computer-fraud and funds-transfer wording on the USI-placed form against Travelers. 1 2
- Confirm Travelers is bought through an independent agent. 1
Travelers vs USI Insurance Services Crime Insurance Compared
Travelers vs USI Insurance Services: Crime Insurance: documented features by provider
| Criteria | Travelers Fidelity & Crime Insurance | USI Crime Insurance Brokerage |
|---|---|---|
| Who It’s For | Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. 1Company-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. 2Company-reported. Company description of client base. |
| How to Apply | Fidelity and crime coverage is bought through a Travelers independent agent. 1Company-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. 2,3Company-reported. Contact instructions on each page. |
| Coverage Features | 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. 1Company-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. 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 | Travelers underwrites fidelity and crime coverage through multiple insuring agreements sold under the Management & Professional Liability line, rather than as a single fixed policy. 1Company-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. 2,3Company-reported. Business Services catalogue and ExecuSafe article. |
| Risk Services | Travelers offers a social engineering fraud endorsement and publishes guidance such as "Coverage 101" and social-engineering protection resources alongside the product. 1Company-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. 2,3Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step. |
