CNA vs Zurich: Commercial Crime Insurance

What Are the Key Differences Between CNA and Zurich U.S. Crime Insurance?

Offering Structure and Distribution

Zurich’s page identifies employee-theft protection for direct loss or damage to money, securities or property and separately describes computer-fraud and funds-transfer losses. CNA’s reviewed claim confirms crime as a selectable management-liability coverage but does not list those triggers. This gives buyers more detail to test in Zurich’s form, while the marketing overview alone does not establish conditions, exclusions or policy limits. [3] [7]

Coverage Detail and Buyer Fit

Zurich also describes crime-risk assessment services through Zurich Resilience Solutions. CNA’s cited offering claim does not describe a crime-specific risk assessment. The Zurich service statement concerns advisory support and does not establish a policy discount or claim result. For both providers, coverage availability, insurer entity and package design need confirmation in the quote and policy documents. [3] [7]

What Should You Confirm in CNA and Zurich U.S. Crime Insurance Quotes?

Ask Zurich whether the quote is standalone or packaged and whether a crime-risk assessment is included; ask CNA which Epack 3 crime part is selected. [3] [7]
Compare direct-loss definitions for employee theft, computer fraud and transfer instructions, plus limits, retentions and assessment scope. [3] [7]

CNA lists crime in Management Liability and says Epack 3 can flexibly combine selected parts; Zurich describes commercial crime as available both standalone and in package solutions for public and private companies.

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
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
05
Crime Non-Financial Applications and Forms
Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16
06
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
07
Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.
Zurich U.S. · Crime product, standalone/package availability, loss examples, risk assessment services · accessed 2026-09-28

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 ↗

Zurich U.S.

eligibility: Zurich offers commercial crime insurance as standalone policies and as package solutions for public and private companies. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. Product structure and company class only; terms, underwriting and availability vary.company-reportedSource ↗
coverage: Zurich describes employee-theft coverage for direct loss or damage to money, securities or property caused by employee theft or forgery. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. Summary only; form definitions, exclusions, limits and conditions control.company-reportedSource ↗
coverage: Zurich describes computer-fraud losses as loss of or damage to money, securities or property resulting directly from computer use to fraudulently cause a transfer originating from the insured’s business or banking premises. It separately describes Funds Transfer Fraud as direct loss of money or securities from fraudulent instructions to a financial institution to transfer funds from the insured’s transfer account. Policy forms govern. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. These are the page’s summary descriptions, not policy definitions. Actual definitions, causation requirements, exclusions and limits are in policy forms.company-reportedSource ↗
services: Zurich Resilience Solutions offers crime-risk assessment services intended to identify vulnerabilities, followed by specialist recommendations for crime resilience. Zurich U.S. brand; exact risk-service provider/issuer relationship not mapped; Commercial Crime Insurance risk-assessment service; United States. Company-described service; no guarantee of loss prevention and no insured coverage grant.company-reportedSource ↗