Embroker vs Nationwide: Commercial Crime Insurance

Embroker sells standalone crime and lists its exclusions; Nationwide lists crime among management liability products but does not itemize insuring agreements, and sends buyers to an agent.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-09-30

Crime coverage

Embroker

  • role: Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add crime coverage as an endorsement to a BOP or a directors and officers policy instead. Product-page description; not a statement about the issuing insurer.company-reportedSource ↗
  • eligibility: Embroker points to businesses that hire part-time staff, handle cash transactions, manage inventory or expensive equipment, or handle customer data and digital transactions as more exposed and more likely to need the coverage. Product-page 'Who benefits most' section; not a formal underwriting appetite statement.company-reportedSource ↗
  • coverage: Embroker lists coverage for employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering fraud. Product-page What's covered section; the issued policy and declarations control.company-reportedSource ↗
  • coverage: Embroker says the policy excludes loss of income, indirect losses, crimes committed by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. Product-page What's not included section.company-reportedSource ↗
  • coverage: Embroker distinguishes fidelity bonds from crime insurance: it says a crime policy typically carries higher limits, while a fidelity bond can reimburse customers who suffer crime-related damages. Product-page FAQ comparing fidelity bonds and commercial crime insurance.company-reportedSource ↗
  • limits: Embroker says crime insurance pricing depends on factors like employee count and locations, revenue, office security measures and financial controls, and that fidelity bonds typically cost 0.5% to 2% of the bond value; it does not publish standard policy limits. Product-page 'What does Commercial Crime insurance cost?' section.company-reportedSource ↗
  • application: The reviewed crime page does not describe a dedicated online quote flow for crime insurance the way Embroker's BOP and general liability pages do; it directs buyers to a general 'Get a Quote' link. Product page as read on 2026-09-23.not-disclosedSource ↗

Nationwide

  • role: Nationwide describes offering crime for the audience stated on the cited product page. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • eligibility: Commercial organizations considering management-liability products; page describes product options and underwriting review. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • coverage: The cited product page describes crime insurance as a named commercial-liability product; Nationwide's product overview does not itemize crime insuring agreements. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • application: The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • limits: The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred.not-disclosedSource ↗

What Are the Key Differences Between Embroker and Nationwide Crime Insurance?

What each page lets you see before quoting

Embroker lists employee theft, third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering fraud, and says the policy excludes loss of income and cybercrime involving stolen trade secrets [3]. Nationwide's overview does not itemize insuring agreements [4]. The comparison you can make today is therefore one-sided: Embroker's terms are visible, Nationwide's arrive with a quote.

Standalone versus endorsement thinking

Embroker notes smaller businesses sometimes add crime as an endorsement to a BOP or D&O policy rather than buying it alone [3]. Nationwide positions crime among management-liability products [4].

Getting a quote

Embroker's crime page sends you to a general quote link rather than a crime-specific flow [3]; Nationwide asks you to contact an agent.

What Should You Confirm in Embroker and Nationwide Crime Insurance Quotes?

  • Ask Embroker for limits, since it publishes none, and how fidelity-bond options compare [3].
  • Ask Nationwide whether social engineering and digital fraud are covered.

Embroker sells standalone crime and publishes covered losses, exclusions and pricing factors, while Nationwide directs buyers to an agent without itemizing crime terms.

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: Coverage & Policies

    Embroker · Why it's essential; Who needs this coverage; What is Commercial Crime insurance?; What's covered; What's not included; What's the difference between Fidelity Bonds and Commercial Crime insurance?; What does Commercial Crime insurance cost? · accessed 2026-09-23

  4. 04
    Commercial Liability Products | Nationwide

    Nationwide · Crime section; products list within management-liability specialty. · accessed 2026-09-30

  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

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

Contact Van Ness Partners