What Are the Key Differences Between USI Insurance Services and Zurich U.S. Crime Insurance?
Review versus direct policy offering
USI places crime coverage as a standalone line or reviews it within its ExecuSafe management-liability process. Zurich offers commercial crime insurance on a standalone basis or as a package solution. If USI is reviewing an existing policy, ask which gaps it found and whether it will seek replacement terms; with Zurich, identify the actual form and whether it is packaged. [6] [8]
Electronic fraud wording
Zurich describes computer fraud and funds-transfer fraud in terms of direct loss arising from specified computer use or fraudulent instructions to a financial institution. USI’s reviewed description identifies crime coverage for employee theft and related fraud but does not set out those transfer definitions. Buyers should ask USI to compare the placed policy’s terms against Zurich’s stated triggers, including vendor impersonation and funds moved from an account. [6] [8]
Broker services and prevention
USI describes classification and exposure reviews, claim advocacy and risk control across business-services coverage, and ExecuSafe checks existing crime coverage for gaps. Zurich describes a crime-specific vulnerability assessment with specialist recommendations. Ask USI what its gap review produces and Zurich whether assessment services come with the quote. [7] [8]