Aon vs Usi: Commercial Crime Insurance

What Are the Key Differences Between Aon and USI Insurance Services Crime Insurance?

Sector focus for the crime discussion

Aon identifies law, accounting and consulting firms as the audience of its Professional Services Practice. USI Insurance Services describes a Business Services practice for building and maintenance, repair, janitorial, staffing and printing companies, citing employee errors and misconduct as exposures. A buyer can use these sectors to decide which specialist to contact, while remembering that an audience description is not underwriting approval or a complete appetite guide. [1] [7]

Standalone line detail and review process

Aon lists Crime as a coverage area but does not explain policy terms on the reviewed page. USI Insurance Services says its ExecuSafe process checks existing crime coverage for gaps and that its practice offers exposure reviews, claim advocacy and risk control across its lines. That provides a documented review framework for existing programs; ask what crime-specific services are included for a new placement. [1] [7]

What Should You Confirm in Aon and USI Insurance Services Crime Insurance Quotes?

Ask USI whether its crime review covers employee theft, transfer fraud and forgery, and whether the process is part of a new quote or only an existing-program review. [1] [7]
Ask Aon and USI for the insurer, producing entity, crime wording, limits, retention and designated claim advocate. [1] [7]

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 ↗

USI Insurance Services

role: 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. Business Services catalogue and ExecuSafe article.company-reportedSource ↗Source ↗
insurer: Neither page names the insurer USI uses for crime placements. Pages as read on 2026-09-23.not-disclosedSource ↗
eligibility: 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. Company description of client base.company-reportedSource ↗
coverage: 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. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy.company-reportedSource ↗Source ↗
limits: Neither page publishes crime coverage limit or retention figures. Pages as read on 2026-09-23.not-disclosedSource ↗
services: 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. Combines the general Business Services service list with the ExecuSafe-specific review step.company-reportedSource ↗Source ↗
application: USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. Contact instructions on each page.company-reportedSource ↗Source ↗

Aon identifies law, accounting and consulting firms as its professional-services audience. USI lists building, repair, janitorial, staffing and printing companies as business-services clients, and reviews crime coverage within its broader ExecuSafe management-liability process.

Sources consulted

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
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
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
05
Crime Non-Financial Applications and Forms
Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16
06
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
07
Business Services
USI Insurance Services · USI advises clients...and provides solutions for...Crime... · accessed 2026-09-23
08
Protect Your Company and Personal Assets From 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