What Are the Key Differences Between USI Insurance Services and WTW Crime Insurance?
Placement roles
USI says it brokers crime as a standalone placement or as part of a management-liability review under ExecuSafe. WTW's North American Corporate Risk & Broking terms say WTW normally acts as the client's intermediary for engagements governed by those terms. For a buyer comparing broker routes, USI describes both a standalone placement and a review context, while WTW's terms establish its role for applicable placements; WTW's FY2024 crime listing does not establish present U.S. availability. [7] [8] [9] [6]
Reviewing crime policy documents
USI's ExecuSafe process checks an existing management-liability policy for gaps that include crime. WTW's terms describe a different review after an insurer's negotiated terms: checking binders, policies, and endorsements against those terms when WTW handles a placement under the terms. One review looks for gaps in existing crime protection; the other checks placement documents against negotiated wording. Ask which document set and review scope each adviser will provide. [8] [9]