CNA vs The Hartford: Commercial Crime Insurance

Both package crime with management liability. The Hartford offers it as one of five options in Private Choice Premier; CNA's Epack 3 is modular, so crime can combine with only the exposures you pick.

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 The Hartford Crime Insurance?

Offering Structure and Distribution

That creates a product-structure question: CNA describes a configurable mix, while The Hartford’s cited page describes crime as an option in a named package and also distinguishes a financial-institutions track. A buyer should identify the exact product and entity being quoted. The Hartford’s overview mentions employee theft, forgery and robbery; CNA’s reviewed claim confirms crime availability but does not itemize comparable triggers. [3] [4]

Coverage Detail and Buyer Fit

The Hartford names nonprofits, publicly traded companies and privately held companies among audiences for its management-liability lineup. CNA’s stated organization types are similar but neither list promises eligibility. The available pages do not publish matching crime limits or exclusions. The form, schedule and any bond wording should guide a coverage comparison, especially if a contract specifies a bond. [3] [4]

What Should You Confirm in CNA and The Hartford Crime Insurance Quotes?

  • Ask The Hartford whether the proposal is Private Choice Premier or its financial-institutions product; ask CNA which Epack parts and crime form are selected. [3] [4]
  • Compare employee theft, forgery, robbery and bond terms along with limits, retentions and any package-level aggregate. [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 ↗

The Hartford

  • role: The Hartford's crime insurance is one of five options in its Private Choice Premier management-liability package, and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. Management liability product page as read 2026-09-23.company-reportedSource ↗
  • coverage: The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.company-reportedSource ↗
  • eligibility: The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. Management liability product page as read 2026-09-23.company-reportedSource ↗

CNA says Epack 3 can flexibly combine selected Management Liability parts, including crime; The Hartford places crime as one of five options in its Private Choice Premier management-liability package and also offers bond and commercial crime within its financial-institutions track.

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
    Management Liability Insurance | Get a Quote

    The Hartford · Crime Insurance section; Who Does Management Liability Insurance Protect?; Management and Professional Liability Insurance for Financial Institutions (Bond and commercial crime (fidelity)) · 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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