Chubb vs Liberty Mutual: Commercial Crime Insurance

Liberty Mutual includes crime in its ProShield package policy for private and not-for-profit organizations; Chubb includes it as one of seven parts of ForeFront, available on Chubb Marketplace for a target of organizations under 250 employees.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-10-01

What Are the Key Differences Between Chubb and Liberty Mutual Crime Insurance?

Crime coverage within broader portfolios

Chubb lists Crime among the seven ForeFront Portfolio coverage parts. Its crime product sheet illustrates social engineering, employee theft, client theft and unreimbursed fraudulent transfers. Liberty Mutual includes crime in ProShield for private and not-for-profit organizations and lists employee dishonesty, embezzlement and computer fraud. Compare the relevant agreements and triggers in each quote. [3] [4] [5]

Product access and policy terms

Chubb’s Crime product sheet points buyers to Chubb Marketplace for online quoting. Liberty Mutual’s selected ProShield description identifies a combined package. For either option, confirm the insurer, policy form, limits and any transfer-fraud conditions in the proposal; the product pages provide examples rather than policy wording. [4] [5]

What Should You Confirm in Chubb and Liberty Mutual Crime Insurance Quotes?

  • Ask Chubb which Crime agreements and transfer-fraud triggers are in the proposed ForeFront form. [4]
  • Ask Liberty Mutual for ProShield’s crime wording, issuing insurer and quoted limits. [5]

Chubb describes Crime as one of seven ForeFront coverage parts and lists social-engineering, employee, client and funds-transfer scenarios; Liberty Mutual includes crime in ProShield and lists selected exposure examples.

Sources consulted

  1. 01
    Commercial Insurance Guide

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

  2. 02
    Social Engineering Fraud Insurance

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

  3. 03
    The ForeFront Portfolio

    Chubb · Available Coverages: Crime Insurance listed among the ForeFront Portfolio's seven coverage parts; Chubb Marketplace quoting · accessed 2026-09-23

  4. 04
    The ForeFront Portfolio — Crime Insurance

    Chubb · Crime Risks: Real & Rising claim-type list (Social Engineering Fraud, Employee Theft, Client Theft, Funds Transfer Fraud); Online Ease section on Chubb Marketplace; insurer disclosure line · accessed 2026-09-23

  5. 05
    ProShield

    Liberty Mutual Business Insurance · Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms. · accessed 2026-09-29

  6. 06
    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

  7. 07
    Crime Non-Financial Applications and Forms

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

  8. 08
    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

Crime coverage

Chubb

  • role: Chubb underwrites Crime Insurance as one of seven coverage parts within its ForeFront Portfolio for private companies, not-for-profit and healthcare organizations, insuring against theft and embezzlement by trusted employees and outsiders. ForeFront Portfolio Crime Insurance product sheet.company-reportedSource ↗
  • insurer: Chubb's Crime Insurance product sheet states that insurance is provided by ACE American Insurance Company and its U.S.-based Chubb underwriting company affiliates. Product sheet insurer-disclosure footer; product and jurisdiction can still change which Chubb affiliate issues a given policy.company-reportedSource ↗
  • coverage: Chubb lists social engineering fraud, employee theft (including temporary and contracted workers), client theft of a client's money or property by an employee, and funds transfer fraud for losses from fraudulent electronic transfers unreimbursed by the insured's bank. Crime Risks: Real & Rising list; illustrated with claim scenarios, not policy wording.company-reportedSource ↗
  • eligibility: On Chubb Marketplace, the ForeFront Portfolio's target underwriting appetite is organizations with fewer than 250 employees and less than $50 million in revenue. Online Ease section; applies to Marketplace-quoted ForeFront business generally, not exclusively Crime coverage.company-reportedSource ↗
  • limits: The reviewed product sheet illustrates claim scenarios with losses ranging from over $100,000 to over $1 million but does not publish specific policy limits, sublimits or retentions for Crime coverage. Crime Insurance product sheet as read on 2026-09-23; illustrative claim examples, not policy terms.not-foundSource ↗
  • application: The ForeFront Portfolio, including Crime coverage, is available on Chubb Marketplace, Chubb's platform for quoting, binding and issuing business digitally. Online Ease section; agents and brokers use Marketplace to place the policy.company-reportedSource ↗Source ↗

Liberty Mutual

  • role: Liberty Mutual includes crime coverage in its ProShield management-liability package for private and not-for-profit organizations. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • coverage: The ProShield page lists employee dishonesty, embezzlement, safe burglary, computer fraud and other crime exposures, plus selected coverage enhancements; these are marketing summaries, not policy terms. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • eligibility: The source scopes ProShield to private and not-for-profit organizations; a specific organization’s eligibility is not established. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • services: Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • limits: The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.not-disclosedSource ↗

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