CNA vs Embroker: Commercial Crime Insurance

Embroker sells crime as a standalone policy and names its exclusions, such as loss of income and indirect losses; in CNA's lineup, crime sits among Management Liability coverages that Epack 3, a modular policy, can combine with other exposures.

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 CNA and Embroker Crime Insurance?

Offering Structure and Distribution

Embroker’s public page also itemizes employee and third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering. It lists exclusions for income and indirect losses, certain executive or partner collusion, third-party liability, and some stolen-data cybercrime. CNA’s reviewed line claim does not publish a parallel list of crime triggers or exclusions. These are differences in disclosed detail; the actual forms and endorsements decide scope. [3] [4]

Coverage Detail and Buyer Fit

CNA directs agents to its Agent Center, whereas Embroker’s crime page uses a general quote route and does not describe a dedicated online crime application. That means neither source establishes a faster binding path. Embroker’s page distinguishes crime insurance from fidelity bonds, which can respond to customer losses; that distinction should not be confused with CNA’s crime selection inside management liability. [3] [4]

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

  • Ask Embroker whether the proposal is standalone or an endorsement and request its exclusions; ask CNA for the Epack 3 crime wording and configuration. [3] [4]
  • Check how each form treats executive dishonesty, customer property, business interruption and losses involving a cyber event. [3] [4]

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 ↗

Embroker

  • role: Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add crime coverage as an endorsement to a BOP or a directors and officers policy instead. Product-page description; not a statement about the issuing insurer.company-reportedSource ↗
  • eligibility: Embroker points to businesses that hire part-time staff, handle cash transactions, manage inventory or expensive equipment, or handle customer data and digital transactions as more exposed and more likely to need the coverage. Product-page 'Who benefits most' section; not a formal underwriting appetite statement.company-reportedSource ↗
  • coverage: Embroker lists coverage for employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering fraud. Product-page What's covered section; the issued policy and declarations control.company-reportedSource ↗
  • coverage: Embroker says the policy excludes loss of income, indirect losses, crimes committed by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. Product-page What's not included section.company-reportedSource ↗
  • coverage: Embroker distinguishes fidelity bonds from crime insurance: it says a crime policy typically carries higher limits, while a fidelity bond can reimburse customers who suffer crime-related damages. Product-page FAQ comparing fidelity bonds and commercial crime insurance.company-reportedSource ↗
  • limits: Embroker says crime insurance pricing depends on factors like employee count and locations, revenue, office security measures and financial controls, and that fidelity bonds typically cost 0.5% to 2% of the bond value; it does not publish standard policy limits. Product-page 'What does Commercial Crime insurance cost?' section.company-reportedSource ↗
  • application: The reviewed crime page does not describe a dedicated online quote flow for crime insurance the way Embroker's BOP and general liability pages do; it directs buyers to a general 'Get a Quote' link. Product page as read on 2026-09-23.not-disclosedSource ↗

CNA describes crime among management-liability coverages and as a selectable Epack 3 part; Embroker says commercial crime can be a standalone policy or an endorsement to a BOP or D&O policy for some smaller businesses.

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
    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

  4. 04
    Commercial Crime Insurance: Coverage & Policies

    Embroker · Why it's essential; Who needs this coverage; What is Commercial Crime insurance?; What's covered; What's not included; What's the difference between Fidelity Bonds and Commercial Crime insurance?; What does Commercial Crime insurance cost? · 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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