Coverdash vs Liberty Mutual: Commercial Crime Insurance

Liberty Mutual includes crime inside its ProShield package policy for private and not-for-profit organizations; Coverdash is a broker with a fully digital quote-to-purchase process and the option to add other coverages.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-10-01

Coverdash describes crime coverage for employee theft, forgery, transfer fraud and social engineering and markets it to businesses handling money, payroll or valuable inventory; Liberty Mutual includes crime in ProShield.

What Are the Key Differences Between Coverdash and Liberty Mutual Crime Insurance?

Crime risks and package context

Coverdash lists employee theft, forged checks, counterfeit currency, fraudulent funds-transfer instructions and social-engineering losses, and markets the line to businesses handling money, payroll or valuable inventory. Liberty Mutual lists employee dishonesty, embezzlement, safe burglary and computer fraud within ProShield. The lists offer a basis for comparing agreement definitions, but they are marketing descriptions rather than policy terms. [3] [6]

Quote and coverage coordination

Liberty Mutual describes ProShield as one package combining multiple management-liability coverages. Coverdash’s cited product-page locator identifies its product introduction, coverage cards and audience; this comparison stays with the listed crime categories and package structure. Compare each proposal’s insurer, crime agreement limits and coordination with any existing policies. [3] [6]

What Should You Confirm in Coverdash and Liberty Mutual Crime Insurance Quotes?

  • Ask Coverdash which listed crime risks, carrier and agreement limits apply to your business. [3]
  • Ask Liberty Mutual how ProShield crime limits coordinate with its other package sections. [6]

Crime coverage

Coverdash

  • role: Coverdash arranges commercial crime coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. General brokerage terms applied to the crime page; not specific to any one carrier or state.company-reportedSource ↗Source ↗
  • insurer: The commercial crime page does not name the insurer that issues the policy. Reviewed commercial crime page as of 2026-09-23; the page describes coverage without naming a specific carrier.not-disclosedSource ↗
  • coverage: Coverdash describes commercial crime coverage as protecting against employee theft of money, property or assets, forged checks and counterfeit currency, fraudulent funds-transfer instructions, and losses when an employee is tricked by social engineering into sending funds to a bad actor. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions.company-reportedSource ↗
  • coverage: Coverdash's coverage hub lists commercial crime separately from cyber insurance, even though both can respond to funds-transfer fraud and social-engineering losses; the two pages do not state how overlapping claims are coordinated between policies. Comparison of the cyber and crime-coverage product pages; overlap-resolution language was not found on either page.not-foundSource ↗
  • eligibility: Coverdash markets commercial crime coverage to any business that handles money, payroll or valuable inventory. Product-page eligibility description; actual acceptance depends on underwriting.company-reportedSource ↗
  • limits: The commercial crime page does not publish specific limit, retention or deductible amounts. Reviewed commercial crime page as of 2026-09-23; figures are quote-specific and not shown on the public product page.not-disclosedSource ↗
  • application: Coverdash describes a fully digital quote-to-purchase process for commercial crime coverage, with the option to add other coverages alongside it. Product-page company information and cross-sell section.company-reportedSource ↗

Liberty Mutual

  • role: Liberty Mutual includes crime coverage in its ProShield management-liability package for private and not-for-profit organizations. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • coverage: The ProShield page lists employee dishonesty, embezzlement, safe burglary, computer fraud and other crime exposures, plus selected coverage enhancements; these are marketing summaries, not policy terms. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • eligibility: The source scopes ProShield to private and not-for-profit organizations; a specific organization’s eligibility is not established. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • services: Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • limits: The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.not-disclosedSource ↗

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
    Commercial Crime Insurance

    Coverdash · Product introduction; Types of Coverage cards for Employee theft, Forgery and fraud, Funds transfer fraud, Social engineering; Who It's For · accessed 2026-09-23

  4. 04
    Coverage Hub

    Coverdash · Cyber & Crime category listing Cyber Insurance, Crime Coverage and Kidnap & Ransom · accessed 2026-09-23

  5. 05
    Terms And Conditions

    Coverdash · "Coverdash does not provide any underwriting services"; broker/agent of record designation · accessed 2026-09-23

  6. 06
    ProShield

    Liberty Mutual Business Insurance · Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms. · accessed 2026-09-29

  7. 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

  8. 08
    Crime Non-Financial Applications and Forms

    Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16

  9. 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

Contact Van Ness Partners to discuss controls, exposures and insurance options.

Contact Van Ness Partners