---
title: "AIG vs Coalition: Crime Insurance"
description: "AIG markets crime insurance; Coalition distributes crime within Executive Risks through appointed brokers."
canonical: "https://spot.insure/compare/aig-vs-coalition/crime"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-coalition"
provider-a: "aig"
provider-b: "coalition"
coverage-line: "crime"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/aig-vs-coalition/crime)

## Agent Guide

**What this page is:** Focused comparison of AIG and Coalition for Crime Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Crime Insurance questions about AIG versus Coalition. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- AIG vs Coalition for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, AIG or Coalition?
- What does AIG or Coalition publish about Crime Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Crime Insurance from AIG or Coalition?

**Key facts:**
- Line: Crime Insurance. Providers: AIG and Coalition.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [AIG vs Coalition](https://spot.insure/compare/aig-vs-coalition) — parent: all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line
- [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence)
- [Coalition profile](https://spot.insure/insurance-providers/coalition) — provider profile (evidence)
- [AIG vs Coalition Cyber Insurance](https://spot.insure/compare/aig-vs-coalition/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Coalition D&O Insurance](https://spot.insure/compare/aig-vs-coalition/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Coalition Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-coalition/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-coalition/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Coalition Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-coalition/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Alliance Risk Crime Insurance](https://spot.insure/compare/aig-vs-alliance-risk/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon Crime Insurance](https://spot.insure/compare/aig-vs-aon/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group Crime Insurance](https://spot.insure/compare/aig-vs-baldwin/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Beazley Crime Insurance](https://spot.insure/compare/aig-vs-beazley/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Crime Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs CFC Crime Insurance](https://spot.insure/compare/aig-vs-cfc/crime) — sibling comparison (other line, or other pair for this line)

# AIG vs Coalition: How Do They Compare for Crime Insurance?

AIG markets crime insurance; Coalition distributes crime within Executive Risks through appointed brokers.

## Research Scope and Use

Use this comparison to evaluate AIG and Coalition for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

AIG describes crime coverage for commercial and governmental entities. Coalition includes crime in its Executive Risks suite and distributes it through brokers. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") [8](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## What Is AIG?

AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. [1](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/home/risk-solutions/business "Business")

[AIG profile](https://spot.insure/insurance-providers/aig)

## What Is Coalition Insurance?

Coalition fits businesses that want cyber insurance bundled with free attack-surface monitoring and alerts, and technology companies that want Tech E&O alongside it. You can't buy it online yourself: you need an appointed broker, and the final price isn't published. [4](https://www.coalitioninc.com/control "Coalition Control") [5](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [6](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") [7](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation")

[Coalition profile](https://spot.insure/insurance-providers/coalition)

## What Is Crime Insurance?

Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [12](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [13](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [14](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application")

## Key Differences in Crime Insurance

### AIG markets crime insurance; Coalition distributes crime within Executive Risks through appointed brokers.

AIG describes crime insurance for commercial and governmental entities, including potential loss of money, securities, and other assets from dishonesty, theft, and fraud. Coalition designs and distributes crime as part of its Executive Risks suite, which buyers access through appointed brokers. Coalition states that private and nonprofit U.S. organizations can be eligible up to specified asset, employee, and plan-asset thresholds. Buyers should check those caps and the admitted or non-admitted carrier route. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") [8](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

### AIG describes crime coverage for commercial and governmental entities. Coalition includes crime in its Executive Risks suite and distributes it through brokers.

Limits and issuing insurer depend on placement [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") [9](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")

## What to Confirm in Crime Insurance Quotes

- AIG does not publish a standard crime limit in the reviewed material. Coalition says up to $10 million per coverage line may be available, subject to limitations, and names Zurich American as the admitted carrier while also describing non-admitted placements with unaffiliated insurers. The actual carrier depends on the route. Request a quote showing the issuing insurer, crime limit, retentions, and exclusions before comparing Coalition’s potential capacity with AIG’s proposal. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance")
- Ask AIG’s broker for the crime limit, retention, and insurer name on the quote. [8](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## Offering Details

| Criteria | AIG Crime Insurance | Coalition Executive Risks — Crime Insurance |
| --- | --- | --- |
| Role in This Line | AIG markets crime insurance as a risk-bearing insurance product for commercial and governmental entities, separate from its financial-institution bond offering. The policy issuer is not named for a particular buyer. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Role in this product is limited to the description on the linked AIG source..) | Coalition designs and distributes crime insurance as one of four coverages in its Executive Risks product suite, sold through appointed brokers. [8](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23..) |
| Issuing Insurer | Confirm in your quote. | Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific crime policy depends on the placement route. [9](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Company-reported; scope: U.S. Disclaimers page as read on 2026-09-23..) |
| Who It’s For | AIG says its crime insurance is available for commercial and governmental entities. Financial-institution bonds are described separately for banks, non-bank lenders, asset managers and insurance companies. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability..) | Coalition says Executive Risks products, including crime, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. [8](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks FAQ as read on 2026-09-23..) |
| Coverage Features | AIG describes potential crime coverage for loss of money, securities and other assets from dishonesty, theft or fraud, including computer fraud. AIG links a CrimeGuard Choice sample policy; actual terms and state availability vary. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations..) | Coalition says its crime coverage responds to losses from criminal activities including theft, fraud, and certain cybercrimes, flagged on the page as subject to exclusions and limitations. [8](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23; the issued policy controls which cybercrime scenarios are actually covered..) |
| Limits and Retentions | The reviewed page and linked product overview do not state a standard buyer-specific limit, retention or deductible. Confirm those in the quote and issued policy. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") (Evidence: Not publicly disclosed; scope: This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy..) | Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including crime, subject to exclusions and limitations. [8](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant..) |
| Risk Services | AIG identifies a dedicated underwriting team and experienced claims professionals for its Crime and Fidelity business. The page does not promise claim outcomes or specify account-level service terms. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Coalition distributes Executive Risks, including crime, only through appointed insurance brokers rather than direct to buyers. [8](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23..) |

## Full Comparison

- [AIG vs Coalition](https://spot.insure/compare/aig-vs-coalition): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [AIG vs Coalition Cyber Insurance](https://spot.insure/compare/aig-vs-coalition/cyber)
- [AIG vs Coalition D&O Insurance](https://spot.insure/compare/aig-vs-coalition/directors-officers)
- [AIG vs Coalition Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-coalition/employment-practices)
- [AIG vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-coalition/fiduciary)
- [AIG vs Coalition Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-coalition/professional-errors-omissions)
- [AIG vs Alliance Risk Crime Insurance](https://spot.insure/compare/aig-vs-alliance-risk/crime)
- [AIG vs Aon Crime Insurance](https://spot.insure/compare/aig-vs-aon/crime)
- [AIG vs The Baldwin Group Crime Insurance](https://spot.insure/compare/aig-vs-baldwin/crime)
- [AIG vs Beazley Crime Insurance](https://spot.insure/compare/aig-vs-beazley/crime)
- [AIG vs Berkshire Hathaway Specialty Insurance Crime Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/crime)
- [AIG vs CFC Crime Insurance](https://spot.insure/compare/aig-vs-cfc/crime)

## Sources

### AIG

1. [Investor Relations](https://www.aig.com/investor-relations). American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
2. [Business](https://www.aig.com/home/risk-solutions/business). AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
3. [Crime and Fidelity Insurance](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds). AIG; Official AIG page, lines 242–270 and 353–354: crime-loss examples, commercial/government entity audience, CrimeGuard Choice sample policy/application, and policy/state availability caveat.. Accessed 2026-09-30.

### Coalition

4. [Coalition Control](https://www.coalitioninc.com/control). Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16.
5. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
6. [How do I qualify for and buy cyber insurance from Coalition?](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition). Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
7. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
8. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). Coalition; Product Offering: Crime — covers losses that result from various criminal activities, including theft, fraud, and certain cybercrimes* (exclusions and limitations apply; see disclaimers and the policy as issued); FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders?. Accessed 2026-09-23.
9. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Admitted Executive Risk: insurance products offered by Coalition Insurance Solutions, Inc. acting on behalf of unaffiliated insurance companies and, on an admitted basis, on behalf of Zurich American Insurance Company (NAIC # 16535). Accessed 2026-09-23.

### Crime Insurance Guide

10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.
11. [Crime Non-Financial Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions). Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
12. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). 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.
13. [Social Engineering Fraud Insurance](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html). Chubb; Opening; coverage highlights. Accessed 2026-09-16.
14. [Commercial Crime Coverage Application](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3). 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.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## AIG Reviews

Review Score: 4.4 / 10 from 2 rated sources, equally weighted.

Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.

- NerdWallet: NerdWallet editorial rating 2.5 (stars). NerdWallet’s editorial business-insurance comparison; the AIG entry concerns commercial liability and property insurance, not a quantified policyholder-review sample. The page’s complaint statement and 2.5-star editorial rating are source-specific and must not be recast as a consumer average. Checked 2026-09-29. [Business Insurance: Get Quotes and Coverage Today](https://www.nerdwallet.com/business/insurance/best)
- Trustpilot: Trustpilot TrustScore 1.9 (out of 5); 252 reviews. Consumer reviews on aig.com’s Trustpilot profile span products and countries, including personal, travel, device/service and other experiences; they do not isolate U.S. commercial-P&C policyholders or a single issuing insurer. Checked 2026-09-29. [AIG Reviews](https://www.trustpilot.com/review/aig.com)
- ConsumerAffairs: ConsumerAffairs average 1.0 (out of 5); 274 reviews. ConsumerAffairs page titled AIG Life Insurance Reviews, updated 2026-08-14. The page mixes life and high-net-worth home references and reviewers may describe other AIG relationships; it is not a commercial-P&C-only population. Checked 2026-09-29. [AIG Life Insurance Reviews](https://www.consumeraffairs.com/insurance/aig_life.html)
- BBB: Complaints shown, prior 3 years 270. BBB’s American International Group, Inc. headquarters profile and corporate-owned locations (86 listed locations); complaint data is not limited to commercial insurance or a particular risk-bearing insurer. BBB says displayed complaint text may not represent every complaint. Period: Three years ending as displayed 2026-09-29. Checked 2026-09-29. [American International Group, Inc. (AIG) BBB Complaints](https://www.bbb.org/us/ny/new-york/profile/insurance-companies/american-international-group-inc-aig-0121-1515/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aig/reviews).

## Coalition Reviews

Review Score: 10.0 / 10 from 1 rated source, equally weighted.

Coalition has a BBB A+ grade. The reviewed independent sources did not establish a customer-star rating; the displayed RaveCapture collection is broker-focused. Its Trustpilot page has no reviews, and its best-looking rating comes from a review page the company arranges for brokers.

- BBB: BBB business grade A+. Coalition (BBB profile, San Francisco, CA); business grade, separate from customer-review stars. Checked 2026-09-29. [Coalition - BBB profile (San Francisco)](https://www.bbb.org/us/ca/san-francisco/profile/cyber-security/coalition-1116-956032); [Search: "Coalition" site:bbb.org insurance reviews ratings](https://www.google.com/search?q=%22Coalition%22+site%3Abbb.org+reviews+OR+complaints)
- RaveCapture: Broker review rating 5 (out of 5); 188 reviews. Verified broker and policyholder reviews of Coalition, collected through a third-party review-collection service. Checked 2026-09-29. [Coalition, Inc.: Broker Reviews](https://app.ravecapture.com/store/Coalition-inc-broker-reviews)
- BizInsuranceCompare: Editorial score 7.7 (out of 10). Independent small-business insurance comparison site editorial score; publisher-defined methodology. Checked 2026-09-29. [Coalition review: small business insurance](https://www.bizinsurancecompare.com/carriers/coalition)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/coalition/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aig-vs-coalition/crime.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)