AIG vs The Hartford: Commercial Crime Insurance

What Are the Key Differences Between AIG and The Hartford Crime Insurance?

Standalone product or broader package

AIG markets crime insurance as a distinct risk-bearing product for commercial and government entities. The Hartford presents crime within its broader commercial insurance portfolio, so a buyer should confirm whether the quoted crime protection is standalone or attached to another policy. AIG links a CrimeGuard Choice sample; ask The Hartford for its crime form and package structure. [1] [4] [1]

Covered loss descriptions

AIG names money, securities and other assets lost through dishonesty, theft or fraud, including computer fraud. The Hartford's crime description focuses on business losses from employee theft and other crime events; ask it to identify whether vendor impersonation and fraudulent transfers are included. Compare both policy schedules, since summaries do not establish limits or exclusions. [1] [4]

What Should You Confirm in AIG and The Hartford Crime Insurance Quotes?

For AIG, ask for the exact policy form, covered-event schedule and limits relevant to the differences above. [1]
For The Hartford, ask which carrier, endorsements and application route apply to the quoted placement, and confirm the specific terms above. [4]

Crime coverage

AIG

role: AIG markets crime insurance as a risk-bearing insurance product for commercial and governmental entities, separate from its financial-institution bond offering. The policy issuer is not named for a particular buyer. Role in this product is limited to the description on the linked AIG source.company-reportedSource ↗
eligibility: AIG says its crime insurance is available for commercial and governmental entities. Financial-institution bonds are described separately for banks, non-bank lenders, asset managers and insurance companies. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability.company-reportedSource ↗
coverage: AIG describes potential crime coverage for loss of money, securities and other assets from dishonesty, theft or fraud, including computer fraud. AIG links a CrimeGuard Choice sample policy; actual terms and state availability vary. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations.company-reportedSource ↗
services: AIG identifies a dedicated underwriting team and experienced claims professionals for its Crime and Fidelity business. The page does not promise claim outcomes or specify account-level service terms. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed.company-reportedSource ↗
limits: The reviewed page and linked product overview do not state a standard buyer-specific limit, retention or deductible. Confirm those in the quote and issued policy. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy.not-disclosedSource ↗

The Hartford

role: 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. Management liability product page as read 2026-09-23.company-reportedSource ↗
coverage: 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. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.company-reportedSource ↗
eligibility: The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. Management liability product page as read 2026-09-23.company-reportedSource ↗

Sources consulted

01
Crime and Fidelity Insurance
AIG · Official AIG page, lines 242–270 and 353–354: crime-loss examples, commercial/government entity audience, CrimeGuard Choice sample policy/application, and policy/state availability caveat. · accessed 2026-09-30
02
Commercial Insurance Guide
California Department of Insurance · Crime · accessed 2026-09-16
03
Social Engineering Fraud Insurance
Chubb · Opening; coverage highlights · accessed 2026-09-16
04
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
05
Crime Terms and Conditions
The Travelers Companies, Inc. · I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15 · accessed 2026-09-16
06
Crime Non-Financial Applications and Forms
Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16
07
Commercial Crime Coverage Application
Travelers Casualty and Surety Company of America · I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3 · accessed 2026-09-16