---
title: "Travelers vs USI Insurance Services Crime Insurance"
description: "Travelers underwrites named fidelity and crime agreements via agents; USI brokers crime for service trades and reviews it in ExecuSafe."
canonical: "https://spot.insure/compare/travelers-vs-usi/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Travelers vs USI Insurance Services Crime Insurance

Travelers underwrites named fidelity and crime agreements via agents; USI brokers crime for service trades and reviews it in ExecuSafe.

## Research Scope and Use

Use this comparison to evaluate Travelers and USI Insurance Services for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Travelers underwrites multiple fidelity and crime agreements, names Travelers Casualty and Surety Company of America in a video disclosure, and sells through independent agents. USI places crime or reviews existing crime under ExecuSafe for business-services clients and does not name a carrier. [4](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](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 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. [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [2](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [3](https://www.travelers.com/contact-us "Contact Us")

[Travelers profile](https://spot.insure/insurance-providers/travelers)

## What Is USI Insurance Services?

USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. [5](https://www.usi.com/about-usi "The Power of ONE") [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [7](https://www.usi.com/commissions-fees/ "Commissions and Fees")

[USI Insurance Services profile](https://spot.insure/insurance-providers/usi)

## What Is Crime Insurance?

Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### Carrier Versus Broker

Travelers underwrites fidelity and crime through multiple insuring agreements under Management & Professional Liability. The product-page video names Travelers Casualty and Surety Company of America and property-casualty affiliates. USI brokers crime as a standalone placement or as part of ExecuSafe and does not name the insurer. [4](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](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")

### 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. [4](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") [8](https://www.usi.com/property-casualty/business-services/ "Business Services")

### 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. [4](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](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 to Confirm in Crime Insurance Quotes

- Ask which Travelers affiliate issues the policy and which agreements and the social-engineering endorsement attach. [4](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")
- Get USI’s issuing carrier and whether the quote is standalone or ExecuSafe. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](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")
- Compare computer-fraud and funds-transfer wording on the USI-placed form against Travelers. [4](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") [8](https://www.usi.com/property-casualty/business-services/ "Business Services")
- Confirm Travelers is bought through an independent agent. [4](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")

## Offering Details

| Criteria | Travelers Fidelity & Crime Insurance | USI Crime Insurance Brokerage |
| --- | --- | --- |
| 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. [4](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](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..) |
| Issuing Insurer | 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. [4](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: Product page video legal footer..) | Neither page names the insurer USI uses for crime placements. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Not publicly disclosed; scope: Pages as read on 2026-09-23..) |
| Who It’s For | Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. [4](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: Company description of client base..) |
| 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. [4](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](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..) |
| Limits and Retentions | 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. [4](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Not found in reviewed sources; scope: Product page video statistics and general text as read on 2026-09-23..) | Neither page publishes crime coverage limit or retention figures. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Not publicly disclosed; scope: Pages as read on 2026-09-23..) |
| Risk Services | Travelers offers a social engineering fraud endorsement and publishes guidance such as "Coverage 101" and social-engineering protection resources alongside the product. [4](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](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: Combines the general Business Services service list with the ExecuSafe-specific review step..) |
| How to Apply | Fidelity and crime coverage is bought through a Travelers independent agent. [4](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](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: Contact instructions on each page..) |

## Full Comparison

- [Travelers vs USI Insurance Services](https://spot.insure/compare/travelers-vs-usi): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud.
- [Travelers vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/travelers-vs-usi/commercial-property)
- [Travelers vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/travelers-vs-usi/cyber)
- [Travelers vs USI Insurance Services D&O Insurance](https://spot.insure/compare/travelers-vs-usi/directors-officers)
- [Travelers vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/travelers-vs-usi/employment-practices)
- [Travelers vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/travelers-vs-usi/fiduciary)
- [Travelers vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/travelers-vs-usi/management-liability)
- [Travelers vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/travelers-vs-usi/professional-errors-omissions)
- [Travelers vs USI Insurance Services Surety Bonds](https://spot.insure/compare/travelers-vs-usi/surety-bonds)
- [Travelers vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/travelers-vs-usi/workers-compensation)
- [Alliance Risk vs Travelers Crime Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/crime)
- [Alliance Risk vs USI Insurance Services Crime Insurance](https://spot.insure/compare/alliance-risk-vs-usi/crime)
- [Beazley vs Travelers Crime Insurance](https://spot.insure/compare/beazley-vs-travelers/crime)
- [Beazley vs USI Insurance Services Crime Insurance](https://spot.insure/compare/beazley-vs-usi/crime)
- [CFC vs Travelers Crime Insurance](https://spot.insure/compare/cfc-vs-travelers/crime)
- [CFC vs USI Insurance Services Crime Insurance](https://spot.insure/compare/cfc-vs-usi/crime)

## Sources

### Travelers

1. [Technology Insurance](https://www.travelers.com/business-insurance/technology). 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.
2. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). 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.
3. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
4. [Fidelity & Crime Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime). 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.

### USI Insurance Services

5. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
6. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
7. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
8. [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.
9. [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.

### Crime Insurance Guide

10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.

Updated 2026-09-23. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/travelers-vs-usi/crime.md)
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- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)