What Are the Key Differences Between The Hartford and USI Insurance Services Crime Insurance?
Package Option Versus Broker Placement
The Hartford includes crime among five Private Choice Premier options, and also offers bond and commercial crime (fidelity) within its financial-institutions track. USI can arrange standalone crime or review existing coverage through ExecuSafe; its pages do not identify which insurer would issue a policy. [3] [7] [8]
Who Each Practice Names
The Hartford’s crime coverage is available to nonprofit organizations, publicly traded companies and privately held companies. USI’s Business Services practice, which lists crime, says it targets building and maintenance, repair service, janitorial, staffing and printing companies. [3] [7]
Coverage Description and Extra Work
The Hartford describes employee theft, forgery or robbery, with a cash-register example. USI lists crime among coverages it places and says ExecuSafe checks existing crime coverage for gaps, with classification and exposure reviews, claim advocacy and risk control across Business Services lines. USI directs business-services inquiries to a published email inbox or a local office, and ExecuSafe inquiries to a Select Business inbox. USI’s pages do not publish crime limits or retentions. [3] [7] [8]
What Should You Confirm in The Hartford and USI Insurance Services Crime Insurance Quotes?
- Ask The Hartford which product track the crime quote sits on. [3]
- Ask USI for the issuing insurer and whether ExecuSafe is part of the engagement. [7] [8]
- Compare how each quote describes theft, forgery and related fraud against The Hartford’s cash-register example and USI’s employee-theft description. [3] [7]
- Get limits and retentions from USI; its reviewed pages leave those figures off. [7]