What Are the Key Differences Between Counterpart and Zurich U.S. Crime Insurance?
Risk Assessment Alongside Policy Placement
Zurich offers commercial crime as standalone coverage or within packages and describes Zurich Resilience Solutions assessments that identify vulnerabilities and recommend resilience steps. Counterpart’s reviewed offering names crime scenarios and says buyers reach its program through wholesale brokers; its claims do not describe a comparable crime-risk assessment. An organization seeking prevention advice as well as insurance should ask Zurich what the assessment covers and whether recommendations affect underwriting or pricing. [4] [3] [9]
Electronic Fraud Wording
Zurich distinguishes computer-fraud loss originating from the insured’s premises from funds-transfer fraud caused by instructions to a financial institution. Counterpart lists computer or system fraud, funds transfers, and social engineering as examples without the same trigger detail in its published crime claims. Those labels may respond to different events; map a recent or plausible payment incident to each proposed agreement before comparing limits. [4] [9]