---
title: "Alliance Risk vs CFC: Crime Insurance"
description: "CFC's crime cover comes bundled with its US management-liability package, which declines California-domiciled and US public companies. Alliance Risk brokers crime cover for employee theft, funds-transfer fraud and social engineering, so it is the route if CFC won't take you."
canonical: "https://spot.insure/compare/alliance-risk-vs-cfc/crime"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "alliance-risk-vs-cfc"
provider-a: "alliance-risk"
provider-b: "cfc"
coverage-line: "crime"
---

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[Human-readable page](https://spot.insure/compare/alliance-risk-vs-cfc/crime)

## Agent Guide

**What this page is:** Focused comparison of Alliance Risk and CFC 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 Alliance Risk versus CFC. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Alliance Risk vs CFC for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Alliance Risk or CFC?
- What does Alliance Risk or CFC publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: Alliance Risk and CFC.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-29.

**Related pages:**
- [Alliance Risk vs CFC](https://spot.insure/compare/alliance-risk-vs-cfc) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) — provider profile
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile

# Alliance Risk vs CFC: How Do They Compare for Crime Insurance?

Alliance Risk is a brokerage placing crime for businesses that handle cash, payments or sensitive data; CFC carries crime inside its US Management Liability package and declines California-domiciled and US publicly traded risks.

CFC sells crime only inside its US management-liability package and declines California-domiciled and US public companies; Alliance Risk brokers crime cover for employee theft, wire fraud and social engineering.

## Alliance Risk vs CFC Crime Insurance Summary

CFC's crime cover comes bundled with its US management-liability package, which declines California-domiciled and US public companies. Alliance Risk brokers crime cover for employee theft, funds-transfer fraud and social engineering, so it is the route if CFC won't take you. [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [2](https://joinalliancerisk.com/coverages/ "Alliance Products") [3](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [4](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability")

## What Are the Key Differences Between Alliance Risk and CFC Crime Insurance?

### Bundled Package vs Brokered Crime Cover

With CFC you buy crime as one section of a wider management-liability policy, and its fintech package separately includes employee infidelity and third-party fraud. Alliance Risk shops crime cover for you and names cash-handling, payments, healthcare, retail and logistics businesses and nonprofits among typical buyers. Choose CFC if you are an eligible private company that also wants D&O and related cover in one policy; choose Alliance Risk if you are California-domiciled, publicly traded or only need crime. [3](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance") [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

### What Each Lists as Covered

Both list employee theft and funds-transfer fraud. Alliance Risk adds forgery, social-engineering impersonation and burglary and robbery, with client-property theft only by endorsement; CFC's brochure includes client crime and on- and off-premises theft in the crime section. Alliance Risk excludes business income lost to a crime unless endorsed, and it excludes dishonest acts by owners or partners. [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [3](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

### Cost, Limits and Claims

Alliance Risk publishes typical premiums of $500–$2,000 a year for small businesses up to $10,000–$50,000+ for large ones; CFC publishes no price. Neither publishes crime limits or retentions. CFC gives a US claim-notification line and says a dedicated adjuster handles each claim, while Alliance Risk's crime page does not say who manages a claim. [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [3](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [7](https://www.cfc.com/en-us/claims/ "Claims")

## What Should You Confirm in Alliance Risk and CFC Crime Insurance Quotes?

- Ask CFC whether you'd be quoted through management liability or the fintech package, and whether crime can be bought on its own. [3](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance")
- Get the crime limit, sublimits and retention in writing from both. [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [3](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- Ask both which insurer or Lloyd's syndicate issues the policy; neither names it for US crime cover. [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [6](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")
- Ask Alliance Risk to add client-property theft and business-income loss by endorsement if you need them. [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")
- Ask Alliance Risk who you call to report a crime loss. [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

## Alliance Risk vs CFC Crime Insurance Compared

| Criteria | Alliance Risk Crime Insurance | CFC Crime |
| --- | --- | --- |
| Who It’s For | Alliance Risk lists businesses that handle cash, payments or sensitive data, companies with accounting, billing or procurement teams, nonprofits with volunteer financial oversight, and organizations in finance, retail, healthcare or logistics as common crime insurance buyers. [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime product page, Who Needs Crime Insurance? section..) | CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for the package that carries this crime coverage. [3](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'What we decline' list; underwriting still applies to any individual business..) |
| Coverage Features | Alliance Risk's crime insurance page covers employee theft and embezzlement, forgery or alteration of checks or documents, fraudulent electronic funds transfer, social engineering fraud and impersonation, and burglary, robbery and safe burglary, with theft of client property available by endorsement. [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime product page, What Does Crime Insurance Cover? section; actual policy structure depends on the carrier and the policy as issued..)<br><br>Alliance Risk says its crime coverage excludes business income loss from crime unless endorsed, cyber breach or hacking (which it says falls under a cyber policy instead), losses not discovered during the policy period, and dishonest acts by company owners or partners. [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime product page, What Doesn't Crime Insurance Cover? section..) | CFC's brochure describes company crime cover including employee theft, funds transfer fraud, and credit card and currency fraud. [3](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'Crime cover' description; the issued policy wording determines the actual insuring agreements and any sub-limits..)<br><br>The brochure also lists client crime, meaning fraud by clients or their staff, and on-premises and off-premises theft, as part of the crime section. [3](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'Crime cover' description..)<br><br>CFC separately sells crime coverage for employee infidelity and third-party fraud within its fintech package. The reviewed pages do not state whether that fintech crime coverage is the same crime coverage sold inside the management-liability package. [5](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance") [3](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Fintech product page compared against the management-liability brochure; both accessed 2026-09-23. This does not establish overlap or difference in wording between the two products..) |
| Role in This Line | Alliance Risk arranges crime insurance placements as a brokerage; the crime page describes the coverage it places rather than an Alliance-issued policy. [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [2](https://joinalliancerisk.com/coverages/ "Alliance Products") (Evidence: Company-reported; scope: Crime product page and the general brokerage disclosure on the coverage catalogue page..) | CFC includes crime coverage inside its US Management Liability package. The reviewed management-liability materials do not offer it as a standalone product within that package. [3](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [4](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") (Evidence: Company-reported; scope: Management-liability product page and brochure; package composition as CFC describes it..) |

## About Alliance Risk and CFC and Crime Insurance

- [Alliance Risk company profile](https://spot.insure/insurance-providers/alliance-risk) · [Alliance Risk customer reviews](https://spot.insure/insurance-providers/alliance-risk/reviews)
- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Alliance Risk vs CFC Crime Insurance

- [Alliance Risk vs CFC](https://spot.insure/compare/alliance-risk-vs-cfc): 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.
- [Alliance Risk Crime Insurance](https://spot.insure/insurance-providers/alliance-risk/crime)
- [CFC Crime Insurance](https://spot.insure/insurance-providers/cfc/crime)

## Sources for Alliance Risk vs CFC Crime Insurance

### Sources About Alliance Risk

1. [Crime Insurance](https://joinalliancerisk.com/crime-insurance/). Alliance Risk; What Is Crime Insurance?; Who Needs Crime Insurance?; What Does Crime Insurance Cover?; What Doesn't Crime Insurance Cover?; How Much Does Crime Insurance Cost?. Accessed 2026-09-23.
2. [Alliance Products](https://joinalliancerisk.com/coverages/). Alliance Risk; Footer brokerage disclosure: "Alliance Risk is an insurance brokerage focused on providing clients with commercial insurance across a wide array of industries.". Accessed 2026-09-23.

### Sources About CFC

3. [Management liability — United States product brochure](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf). CFC; Crime cover; At a glance: What we like; What we decline; What else is in the policy?. Accessed 2026-09-23.
4. [Management liability](https://www.cfc.com/en-us/products/class/management-liability/). CFC; Our management liability products: Management liability, Side A DIC. Accessed 2026-09-23.
5. [Fintech insurance](https://www.cfc.com/en-us/products/industry/fintech/). CFC; What does CFC's fintech policy cover? Crime coverage for employee infidelity and third-party fraud. Accessed 2026-09-23.
6. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
7. [Claims](https://www.cfc.com/en-us/claims/). CFC; Notify a claim or cyber incident; We're in it with you. Accessed 2026-09-23.

Updated 2026-09-29. 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.

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- [Markdown page](https://spot.insure/compare/alliance-risk-vs-cfc/crime.md)
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