What Are the Key Differences Between Liberty Mutual and The Hartford Crime Insurance?
Package and Product Routes
Liberty Mutual places crime in ProShield, one package combining multiple management-liability coverages for private and nonprofit organizations. The Hartford lists crime among five Private Choice Premier options and also offers bond and commercial crime coverage in its financial-institutions product track. The Hartford therefore documents two routes by buyer context; ask which one fits your organization before comparing price or limits. [3] [4]
Listed Loss Examples
The Hartford describes business-related crime such as employee theft, forgery, or robbery, including an employee taking cash from a register. Liberty Mutual’s ProShield overview lists employee dishonesty, embezzlement, safe burglary, and computer fraud. Both name employee-related losses, while Liberty Mutual also identifies computer fraud and safe burglary; verify how each form treats your actual theft method. [4] [3]
Publicly Named Audiences
The Hartford says its management-liability crime coverage is available to nonprofit, publicly traded, and privately held companies. Liberty Mutual scopes ProShield to private and nonprofit organizations and does not establish a particular applicant’s eligibility. If you are publicly traded, ask Liberty Mutual whether ProShield applies to your entity. [4] [3]
What Should You Confirm in Liberty Mutual and The Hartford Crime Insurance Quotes?
- Ask The Hartford whether its management-liability package or financial-institutions track is the relevant route and request its crime coverage form. [4]
- Ask Liberty Mutual for ProShield’s crime limit, deductible, and policy wording for computer fraud, safe burglary, and employee dishonesty. [3]
- Confirm each quote’s issuing insurer and whether crime limits are shared with other package coverages. [3] [4]