Aon vs The Hartford: Commercial Crime Insurance

The Hartford includes crime among five options in its Private Choice Premier package for nonprofit, public and private firms; Aon is a global broker for law, accounting and consulting firms.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-09-30

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

A practice audience versus a commercial product

Aon places Crime within its professional-services practice and names law, accounting and consulting firms as its audience. The Hartford describes a commercial crime product for businesses, summarizing its coverage scope without listing each insured event in the reviewed claim. A buyer should use these descriptions to start a fit conversation, then compare the policy schedule for employee dishonesty, forged instruments, computer fraud and any exclusions relevant to their operations. [1] [4]

Advisory support and eligibility

Aon describes advisors using industry knowledge, data and tools to support risk-management decisions. The Hartford describes its intended business audience but does not settle any applicant’s eligibility. The practical question is whether the buyer’s industry, locations and controls meet the insurer’s underwriting rules, alongside whether advisor support or a direct carrier relationship better fits the placement. [1] [4]

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

  • Ask The Hartford for the crime form and event schedule, including any conditions for employee theft, forged checks and electronic funds transfer losses. [1] [4]
  • Ask Aon which carrier would issue the placement; ask both providers to confirm business eligibility, limit, retention and claims reporting steps. [1] [4]

Crime coverage

Aon

  • role: Aon presents Crime as a line its Professional Services Practice helps arrange or advise on for professional-service firms. Aon is describing a global brokerage and advisory service, not issuing the underlying policy. The producing legal entity and carrier for any particular placement are not named on this page. Aon’s global professional-services practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement.company-reportedSource ↗
  • eligibility: Aon identifies law, accounting and consulting firms as the audience for its global Professional Services Practice. That audience scope does not establish eligibility for every firm or other business. Audience described for Aon’s global professional-services practice. It does not establish U.S. state availability or underwriting eligibility for a placement.company-reportedSource ↗
  • coverage: Aon lists Crime as a coverage area within its professional-services practice. The page does not describe covered dishonest acts, insured property, policy conditions or bond forms. Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage.company-reportedSource ↗
  • services: Aon says its professional-services advisors use industry knowledge, insights, data and tools to support risk-management and human-capital decisions. This is a company-described advisory service, not a claim outcome or policy benefit. Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated.company-reportedSource ↗
  • insurer: The reviewed practice page does not name the insurer or producing legal entity for a specific placement. Ask for both on the quote and binder. Aon’s global practice page as reviewed 2026-09-30; no state-specific placement schedule or buyer quote was reviewed. This does not establish that Aon cannot arrange a placement.not-foundSource ↗
  • limits: The reviewed page does not state a buyer-specific limit, retention, deductible or other placement terms. Confirm these in the quote, bond or issued policy. Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed.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 ↗

Aon identifies law, accounting and consulting firms as its Professional Services Practice audience. The Hartford describes commercial crime coverage for business theft exposures, but its reviewed summary does not provide the detailed event list found in a policy form.

Sources consulted

  1. 01
    Professional Services Practice

    Aon · Named professional-services audiences and global advisory role, lines 125–128; line offerings and explanations lines 131–190; contact link lines 120–122. Global practice page; no U.S. state or account-specific placement schedule. · accessed 2026-09-30

  2. 02
    Commercial Insurance Guide

    California Department of Insurance · Crime · accessed 2026-09-16

  3. 03
    Social Engineering Fraud Insurance

    Chubb · Opening; coverage highlights · accessed 2026-09-16

  4. 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

  5. 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

  6. 06
    Crime Non-Financial Applications and Forms

    Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16

  7. 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

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