What Are the Key Differences Between Liberty Mutual and Nationwide Crime Insurance?
Specific Crime Examples
Liberty Mutual’s ProShield overview lists employee dishonesty, embezzlement, safe burglary, and computer fraud. Nationwide’s reviewed page names commercial crime as a product but does not itemize the losses its policy covers. Liberty Mutual’s examples help you identify questions for a proposal; with Nationwide, request the form and confirm each scenario directly rather than inferring coverage from the product name. [3] [4]
Fit With Management Liability
Liberty Mutual describes ProShield as one package combining multiple management-liability coverages, including crime. Nationwide presents crime among commercial liability product options and says its audience is organizations considering management-liability products. Compare whether your quote bundles crime with other lines, and whether their limits are shared or separate. [3] [4]
Getting a Proposal
Nationwide directs prospective buyers to contact an agent or request a quote, while Liberty Mutual’s ProShield overview does not establish a buyer-specific application route. If you need an agent-led quote, Nationwide has a published path; ask Liberty Mutual which agent or broker handles the ProShield submission and what underwriting information is required. [4] [3]
What Should You Confirm in Liberty Mutual and Nationwide Crime Insurance Quotes?
- Ask Nationwide to provide the crime form and mark how employee theft, computer fraud, forgery, and fraudulent transfers are addressed. [4]
- Ask Liberty Mutual whether ProShield shares its aggregate across crime and the other management-liability coverages. [3]
- Request each quote’s insurer, limits, retention or deductible, exclusions, and application contact; neither product overview sets universal crime terms. [4] [3]