Travelers vs WTW: How Do They Compare for 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.

Under WTW's North American Corporate Risk & Broking terms, WTW normally acts as the client's insurance intermediary for engagements governed by those terms. ¹⁰Company-reported. Terms for applicable North American Corporate Risk & Broking engagements. WTW also discloses separate insurer-side services in some arrangements; this does not determine the role in a specific engagement.

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.

The reviewed WTW sources do not identify an issuing insurer for a specific crime placement. ^10,9Not publicly disclosed. This is a gap in the cited marketing, annual-report, and brokerage materials; it does not mean WTW lacks insurer markets. Confirm the carrier on the quote and issued policy.

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.

Confirm in your quote.

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.

WTW's FY2024 annual report lists crime insurance solutions within its global Financial, Executive and Professional Risks (FINEX) practice. ⁹Company-reported. Historical group-level service description only; it does not establish current U.S. availability, insurer, policy form, or a buyer's eligibility.

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.

The reviewed sources do not state a buyer-specific crime limit, retention, or deductible. ^10,9Not publicly disclosed. No limit or deductible is inferred from general marketing or WTW's brokerage role; the insurer's quote and issued forms control.

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.

WTW's North American terms describe reviewing binders, policies, and endorsements against the terms negotiated with the insurer. ¹⁰Company-reported. Broker document-review process under the cited terms, when WTW handles this line's placement. It does not certify that a policy covers a claim or replace the issued wording.

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

WTW's North American terms say an insurer quote is not confirmation of coverage; if the client orders binding, WTW seeks a formal insurer commitment, typically a binder. ¹⁰Company-reported. Applies to placements governed by the cited North American Corporate Risk & Broking terms. It does not establish a self-service quote route or promise coverage availability for this line.