---
title: "Alliance Risk vs CNA: Crime Insurance"
description: "Alliance Risk enumerates employee theft, social engineering and client-property options, while CNA places Crime within its modular Epack 3 management-liability coverage."
canonical: "https://spot.insure/compare/alliance-risk-vs-cna/crime"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "alliance-risk-vs-cna"
provider-a: "alliance-risk"
provider-b: "cna"
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/alliance-risk-vs-cna/crime)

## Agent Guide

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

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

**Key facts:**
- Line: Crime Insurance. Providers: Alliance Risk and CNA.
- 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:**
- [Alliance Risk vs CNA](https://spot.insure/compare/alliance-risk-vs-cna) — parent: all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line
- [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) — provider profile (evidence)
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [Alliance Risk vs CNA Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-cna/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CNA Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-cna/technology-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 CNA Crime Insurance](https://spot.insure/compare/aig-vs-cna/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Aon Crime Insurance](https://spot.insure/compare/alliance-risk-vs-aon/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs The Baldwin Group Crime Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Beazley Crime Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Crime Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/crime) — sibling comparison (other line, or other pair for this line)

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

Alliance Risk enumerates employee theft, social engineering and client-property options, while CNA places Crime within its modular Epack 3 management-liability coverage.

## Research Scope and Use

Use this comparison to evaluate Alliance Risk and CNA 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

Alliance Risk describes crime protections including employee theft, fraudulent transfers and optional client-property theft. CNA lists Crime as a selectable Epack 3 management-liability coverage part for private, public and nonprofit organizations. [4](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [9](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability")

## What Is Alliance Risk?

Alliance Risk suits tech startups from pre-seed through IPO that want a broker to review their tech E&O policy for free and shop specialist insurers; if you want to buy online in minutes, use a digital insurer. Quotes take 24 hours to ten business days, depending on your risk. [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") [2](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [3](https://joinalliancerisk.com/get-a-quote/ "Get a Quote")

[Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk)

## CNA Small Business Insurance: Products, Agents and Service

CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. [6](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [7](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [8](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer")

[CNA profile](https://spot.insure/insurance-providers/cna)

## 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

### Coverage Detail and Package Structure

Alliance Risk's crime placement description names employee theft, forgery, fraudulent electronic transfers, social engineering and burglary; theft of client property is available by endorsement. CNA identifies Crime within its Epack 3 management-liability parts, which can be combined selectively rather than as one fixed bundle. The records therefore give different levels of line detail: Alliance Risk spells out crime scenarios, while CNA emphasizes how the protection fits a modular management-liability program. [4](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [9](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") [9](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability")

### Placement and Eligibility Questions

Alliance Risk is a brokerage and does not name the carrier for its crime placements. CNA describes management-liability exposure for private and public companies and nonprofits and directs agents to its Agent Center for an application. Buyers should establish who issues the policy through Alliance Risk and have their CNA agent show how Crime is selected alongside other Epack 3 parts. [4](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [4](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [9](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") [9](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability")

## What to Confirm in Crime Insurance Quotes

- Ask Alliance Risk for the issuing insurer, limit, social-engineering sublimit and client-property endorsement terms. [4](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [4](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")
- Ask the CNA agent which Epack 3 parts and crime limits appear in the issued quote. [9](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability")

## Offering Details

| Criteria | Alliance Risk Crime Insurance | CNA Management Liability Crime Coverage |
| --- | --- | --- |
| 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. [4](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [5](https://joinalliancerisk.com/coverages/ "Alliance Products") (Evidence: Company-reported; scope: Crime product page and the general brokerage disclosure on the coverage catalogue page..) | CNA describes Epack 3 as a modular policy with a selected mix of management-liability parts rather than one mandatory bundle. [9](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") (Evidence: Company-reported; scope: The page does not establish which components a buyer can select for a specific risk or whether the crime coverage is offered standalone..) |
| Issuing Insurer | The crime insurance page does not name an issuing insurer or carrier for the coverage. [4](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Not publicly disclosed; scope: Crime product page as read on 2026-09-23..) | Confirm in your quote. |
| 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. [4](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime product page, Who Needs Crime Insurance? section..) | CNA describes management-liability risks for private and public companies and not-for-profit organizations. [9](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") (Evidence: Company-reported; scope: This is broad segment context, not a crime-specific acceptance rule..) |
| 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. [4](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. [4](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime product page, What Doesn't Crime Insurance Cover? section..) | CNA currently lists Crime among its Management Liability coverages and says Epack 3 can flexibly combine crime with selected management-liability exposures. [9](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") (Evidence: Company-reported; scope: The product page establishes a marketed option, not that all component lines must be purchased together..) |
| Limits and Retentions | Alliance Risk's crime page gives typical annual premium ranges ($500-$2,000 for small businesses up to $10,000-$50,000+ for large enterprises) but does not publish specific coverage limits, sublimits or retentions. [4](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Not publicly disclosed; scope: Crime product page as read on 2026-09-23..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | CNA directs agents seeking an application to its Agent Center. [9](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") (Evidence: Company-reported; scope: The page does not state that a business can apply directly or identify all documents required for crime coverage..) |

## Full Comparison

- [Alliance Risk vs CNA](https://spot.insure/compare/alliance-risk-vs-cna): 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 vs CNA Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-cna/commercial-property)
- [Alliance Risk vs CNA Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-cna/technology-errors-omissions)
- [AIG vs Alliance Risk Crime Insurance](https://spot.insure/compare/aig-vs-alliance-risk/crime)
- [AIG vs CNA Crime Insurance](https://spot.insure/compare/aig-vs-cna/crime)
- [Alliance Risk vs Aon Crime Insurance](https://spot.insure/compare/alliance-risk-vs-aon/crime)
- [Alliance Risk vs The Baldwin Group Crime Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/crime)
- [Alliance Risk vs Beazley Crime Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/crime)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Crime Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/crime)

## Sources

### Alliance Risk

1. [Technology Insurance](https://joinalliancerisk.com/technology-insurance/). Alliance Risk; What is Technology Insurance?; Types of Technology; Types of Coverage; startup placement introduction; quote documents and process. Accessed 2026-09-16.
2. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
3. [Get a Quote](https://joinalliancerisk.com/get-a-quote/). Alliance Risk; Request form; Prefer to Call?; Why Alliance Risk? section. Accessed 2026-09-16.
4. [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.
5. [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.

### CNA

6. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark).. Accessed 2026-09-28.
7. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
8. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29.. Accessed 2026-09-29.
9. [Management Liability Insurance and Professional Liability](https://www.cna.com/products/management-liability). CNA; Current U.S. page: management liability names crime and kidnap/ransom/extortion; lists management product coverages and Epack 3 modular structure, application channel and caveats. Retrieved 2026-09-30.. Accessed 2026-09-30.

### 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.

## Alliance Risk Reviews

Review Score: not enough ratings.

Alliance Risk has no customer ratings on the review sites we checked, so there's no Review Score yet. That says nothing bad about the company; it means you'll need to ask for references.



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

## CNA Reviews

Review Score: 9.0 / 10 from 1 rated source, equally weighted.

Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.

- NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers)
- Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com)
- BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews)

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

## Agent and Developer Resources

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