Nationwide vs Usi: Commercial Crime Insurance

Nationwide lists crime among management liability products and directs buyers to an agent; USI Insurance Services is a broker for janitorial, staffing and repair firms that reviews existing crime cover in ExecuSafe.

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

Crime coverage

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 ↗

USI Insurance Services

  • role: USI brokers crime insurance, which covers losses from employee theft and related fraud, either as a standalone placement or as part of a management liability review under ExecuSafe. Business Services catalogue and ExecuSafe article.company-reportedSource ↗Source ↗
  • insurer: Neither page names the insurer USI uses for crime placements. Pages as read on 2026-09-23.not-disclosedSource ↗
  • eligibility: USI's Business Services practice, which lists crime coverage, says it targets building and maintenance, repair service, janitorial, staffing and printing companies, citing employee errors and misconduct as one of the risk exposures it addresses for them. Company description of client base.company-reportedSource ↗
  • coverage: USI lists crime among the coverages it places for business-services clients, and its ExecuSafe review checks a client's existing crime coverage as part of a broader management liability review. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy.company-reportedSource ↗Source ↗
  • limits: Neither page publishes crime coverage limit or retention figures. Pages as read on 2026-09-23.not-disclosedSource ↗
  • services: USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across its coverage lines including crime, and its ExecuSafe process specifically checks existing crime coverage for gaps. Combines the general Business Services service list with the ExecuSafe-specific review step.company-reportedSource ↗Source ↗
  • application: USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. Contact instructions on each page.company-reportedSource ↗Source ↗

What Are the Key Differences Between Nationwide and USI Insurance Services Crime Insurance?

Product page versus review process

Nationwide lists crime as a named commercial product and asks you to contact an agent [3]. USI brokers crime standalone or through ExecuSafe, whose process checks existing crime coverage for gaps [8]. If you already hold a crime policy, USI's page describes a way to test it; Nationwide's page describes a way to buy one.

Industry focus

USI's Business Services practice targets building and maintenance, repair service, janitorial, staffing and printing companies, citing employee misconduct among their exposures [7]. Nationwide's page does not name industries beyond organizations that underwriting reviews.

Services around the policy

USI lists exposure reviews, claim advocacy and risk control [7]. Nationwide's reviewed page lists no crime services.

What Should You Confirm in Nationwide and USI Insurance Services Crime Insurance Quotes?

  • Ask USI which insurer it would use; neither reviewed page names one.
  • Ask Nationwide what limits and retention would apply to your crime exposure.

Nationwide's page names crime without itemized terms, while USI brokers crime standalone or reviews existing crime coverage within ExecuSafe.

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 Liability Products | Nationwide

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

  4. 04
    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

  5. 05
    Crime Non-Financial Applications and Forms

    Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16

  6. 06
    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

  7. 07
    Business Services

    USI Insurance Services · USI advises clients...and provides solutions for...Crime... · accessed 2026-09-23

  8. 08
    Protect Your Company and Personal Assets From Management Liability Risks

    USI Insurance Services · Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime). · accessed 2026-09-23

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