What Are the Key Differences Between CFC and USI Insurance Services Crime Insurance?
Package Versus Broker Placement
CFC includes crime in its US Management Liability package. USI brokers standalone crime or reviews existing cover through ExecuSafe as part of management liability. Choose CFC if you qualify and want packaged crime; choose USI if you need a new placement or want a broker to identify gaps in your current cover. [5] [11] [12]
Eligibility
USI’s Business Services practice, which lists crime, targets service trades such as janitorial and staffing work. CFC’s brochure lists California-domiciled business and US publicly traded companies among declined risks for the package that carries this crime coverage. [11] [5]
Cover Descriptions
USI describes the crime it brokers as covering losses from employee theft and related fraud. CFC’s brochure names employee theft, funds-transfer fraud, credit-card and currency fraud, client crime, and on- or off-premises theft. USI’s pages stay at that short description; CFC’s brochure is where those named agreements appear. [11] [5]
What Should You Confirm in CFC and USI Insurance Services Crime Insurance Quotes?
- Ask USI whether crime is a standalone placement or an ExecuSafe gap review. [11] [12]
- Ask CFC whether California domicile or public-company status is a decline, and whether crime is the management or fintech package. [5] [3]
- Get the issuing insurer from both. [11] [6]
- Get crime limits and retentions; neither reviewed set publishes them. [11] [5]