What Are the Key Differences Between Liberty Mutual and USI Insurance Services Crime Insurance?
Carrier Package or Brokered Placement
Liberty Mutual presents crime within ProShield, a package policy combining multiple management-liability coverages. USI brokers crime either as a standalone placement or as part of an ExecuSafe management-liability review, so its insurer varies by placement. Compare the bundled ProShield structure with the specific carrier and limits USI proposes for your crime exposure. [3] [7]
Crime Detail and Risk Review
Liberty Mutual’s ProShield overview names employee dishonesty, embezzlement, safe burglary, and computer fraud. USI says its ExecuSafe process checks existing crime coverage for gaps and its business-services practice offers exposure reviews, risk control, and claim advocacy. For a business already carrying crime insurance, USI documents a review route; a ProShield buyer should ask how its own program is assessed at renewal. [3] [8] [7]
Business Segment and Application Contact
USI’s business-services practice specifically names building and maintenance, repair, janitorial, staffing, and printing companies. Liberty Mutual describes ProShield for private and nonprofit organizations without a crime-specific industry threshold. USI lists separate contact routes for business-services and management-liability inquiries, while the ProShield overview does not provide a submission contact. [7] [3]
What Should You Confirm in Liberty Mutual and USI Insurance Services Crime Insurance Quotes?
- Ask USI which carrier and crime form it proposes, with limits, retentions, and insurer named on the quote. [7]
- Ask Liberty Mutual for ProShield’s crime schedule and confirm whether its limit is shared with the other package coverages. [3]
- If using USI’s ExecuSafe review, request its written gap findings and identify who advocates with the insurer if a crime claim occurs. [8] [7]