What Are the Key Differences Between Coverdash and Zurich U.S. Crime Insurance?
Fraud categories and policy definitions
Coverdash describes protection for employee theft of money, property or assets, forged checks and counterfeit currency, fraudulent transfer instructions and funds sent after social engineering. Zurich describes employee theft or forgery and separates computer fraud from funds-transfer fraud, with each tied to direct loss of money, securities or property under its stated definitions. Buyers should compare how each form treats impersonation, fraudulent instructions and the point where a transfer is considered covered. [3] [9]
Broker purchase and crime assessment
Coverdash arranges coverage through a carrier and describes a fully digital quote-to-purchase process that can add other lines. Zurich offers crime as a standalone policy or package solution and describes risk assessments through Zurich Resilience Solutions to identify vulnerabilities. A business preferring digital purchase can ask Coverdash which carrier and controls apply; Zurich applicants should ask whether an assessment is available and how recommendations relate to coverage. [3] [9]