CNA vs Counterpart: Commercial Crime Insurance

What Are the Key Differences Between CNA and Counterpart Crime Insurance?

Offering Structure and Distribution

That difference is chiefly in the detail publicly available about covered events. Counterpart gives buyers a concrete list to test against payment controls and employee access, while CNA’s reviewed line claim confirms the coverage’s place in Management Liability but does not spell out comparable triggers. Counterpart also describes its insurance as offered through a producer and surplus-lines broker and says businesses reach the program through a wholesale broker. CNA’s cited page instead points agents to Agent Center. [3] [5] [6] [4]

Coverage Detail and Buyer Fit

Counterpart presents its products for small businesses; CNA describes management-liability risks for private and public companies and nonprofits. Those audience descriptions are not underwriting decisions, and the records do not establish that a specific organization qualifies with either provider. Ask who would issue the policy and whether the proposal is standalone or part of another management-liability form. [3] [5] [6]

What Should You Confirm in CNA and Counterpart Crime Insurance Quotes?

Ask Counterpart which insurer and wholesale channel apply, and ask CNA for its crime form and selected Epack 3 components. [3] [5] [6] [4]
For each quote, confirm how computer fraud, altered instructions, employee collusion and loss discovery are defined and limited. [3] [5]

CNA describes crime as a management-liability coverage and a selectable Epack 3 component; Counterpart’s crime page names employee theft, forgery, computer or system fraud, funds-transfer fraud and social engineering.

Sources consulted

01
Commercial Insurance Guide
California Department of Insurance · Crime · accessed 2026-09-16
02
Social Engineering Fraud Insurance
Chubb · Opening; coverage highlights · accessed 2026-09-16
03
Management Liability Insurance and Professional Liability
CNA · Current U.S. page: management liability names crime and kidnap/ransom/extortion; lists management product coverages and Epack 3 modular structure, application channel and caveats. Retrieved 2026-09-30. · accessed 2026-09-30
04
How can I get insurance through Counterpart?
Counterpart Knowledge Center · Retained source: article describes wholesale-broker referral route; prior access 2026-09-28. · accessed 2026-09-28
05
Commercial Crime Insurance
Counterpart, Inc. · Retained provider source: product page lists employee theft, forgery, computer/system fraud, funds-transfer and social-engineering examples; prior access 2026-09-28. Direct reopen failed in this session. · accessed 2026-09-28
06
Counterpart | Agentic Insurance™
Counterpart, Inc. · Retained provider source: footer states insurance products are offered by Counterpart Insurance Services, Inc., described as a licensed producer and surplus-lines broker; product/state availability varies, issuer not mapped by product/state. Prior access 2026-09-29. · accessed 2026-09-29
07
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
08
Crime Non-Financial Applications and Forms
Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16
09
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

CNA

coverage: CNA currently lists Crime among its Management Liability coverages and says Epack 3 can flexibly combine crime with selected management-liability exposures. The product page establishes a marketed option, not that all component lines must be purchased together.company-reportedSource ↗
eligibility: CNA describes management-liability risks for private and public companies and not-for-profit organizations. This is broad segment context, not a crime-specific acceptance rule.company-reportedSource ↗
application: CNA directs agents seeking an application to its Agent Center. The page does not state that a business can apply directly or identify all documents required for crime coverage.company-reportedSource ↗
role: CNA describes Epack 3 as a modular policy with a selected mix of management-liability parts rather than one mandatory bundle. The page does not establish which components a buyer can select for a specific risk or whether the crime coverage is offered standalone.company-reportedSource ↗

Counterpart

role: Counterpart says its insurance is offered through Counterpart Insurance Services, Inc., which it describes as a producer and surplus-lines broker; its help center says businesses reach the program through a wholesale broker. Company-published distribution description; it does not identify the insurer for this crime placement.company-reportedSource ↗Source ↗
coverage: Counterpart’s crime page lists employee theft, forgery, computer or system fraud, funds-transfer fraud and social-engineering scenarios. These are marketing examples, not a complete insuring agreement; the actual policy defines covered loss and conditions.company-reportedSource ↗
eligibility: Counterpart presents its insurance products and risk-management services for small businesses. The general audience statement is not a crime-specific underwriting rule.company-reportedSource ↗Source ↗
coverage: Counterpart separately lists funds-transfer fraud and social-engineering as crime examples. The examples do not define authentication conditions, sublimits, exclusions or how a claim would be adjusted.company-reportedSource ↗