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

Alliance Risk is a brokerage that lists crime exclusions like cyber breach and business income loss unless endorsed; Coalition distributes crime only through appointed brokers, with limits that may reach $10 million for US organizations with up to $500 million in assets.

Coalition gives you a published ceiling of up to $10 million in crime limits if your private or nonprofit organization has up to 1,000 employees and $500 million in assets; Alliance Risk shows what crime cover costs and which thefts it covers, but not what limit you can get. ^3,^1,²

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

Who Qualifies

Coalition's crime cover is part of its Executive Risks suite and is open only to private and not-for-profit US organizations with up to 1,000 employees and up to $500 million in assets, bought through an appointed broker. Alliance Risk is a brokerage that names cash-handling businesses, accounting and billing teams, volunteer-run nonprofits, and finance, retail, healthcare and logistics firms as typical crime buyers, with no published size cap. Choose Coalition if you fit its size limits and want up to $10 million of cover; choose Alliance Risk if you are a cash- or payment-heavy business that wants a broker to shop the policy for you. ³ ¹

What Each Spells Out About Coverage

Alliance Risk lists employee theft, check forgery, fraudulent funds transfer, social-engineering impersonation and burglary, with client-property theft by endorsement, and names its exclusions: business-income loss unless endorsed, hacking, losses discovered after the policy period and owner dishonesty. Coalition says only that its crime cover responds to theft, fraud and certain cybercrimes, so you'll need the policy form to see what is actually covered. ¹ ³

Limits Versus Price Guidance

Coalition says limits up to $10 million per coverage line may be available but publishes no pricing. Alliance Risk gives typical annual premiums, from $500–$2,000 for small businesses to $10,000–$50,000 or more for large enterprises, but no limits or retentions. ³ ¹

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

Ask Alliance Risk which insurer it proposes and what limit and retention it can get you. ¹
Ask Coalition's broker whether the policy is issued by Zurich American or another insurer, since the route varies. ⁴
Ask Coalition whether social-engineering and funds-transfer fraud are covered, and at what sublimit. ³
Check both forms for when a loss must be discovered and whether owner dishonesty is excluded. ¹ ³

Alliance Risk vs Coalition Crime Insurance Compared

Alliance Risk vs Coalition: Crime Insurance: documented features by provider

Criteria	Alliance Risk Crime Insurance	Coalition Executive Risks — Crime Insurance
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. ¹Company-reported. Crime product page, Who Needs Crime Insurance? section.	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. ³Company-reported. Executive Risks FAQ as read on 2026-09-23.
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. ¹Company-reported. Crime product page, What Does Crime Insurance Cover? section; actual policy structure depends on the carrier and the policy as issued. 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. ¹Company-reported. Crime product page, What Doesn't Crime Insurance Cover? section.	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. ³Company-reported. Executive Risks product page as read on 2026-09-23; the issued policy controls which cybercrime scenarios are actually covered.
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. ^1,²Company-reported. Crime product page and the general brokerage disclosure on the coverage catalogue page.	Coalition designs and distributes crime insurance as one of four coverages in its Executive Risks product suite, sold through appointed brokers. ³Company-reported. Executive Risks product page as read on 2026-09-23.

Criteria

Alliance Risk Crime Insurance

Coalition Executive Risks — Crime Insurance

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. ¹Company-reported. Crime product page, Who Needs Crime Insurance? section.

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. ³Company-reported. Executive Risks FAQ as read on 2026-09-23.

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. ¹Company-reported. Crime product page, What Does Crime Insurance Cover? section; actual policy structure depends on the carrier and the policy as issued.

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. ¹Company-reported. Crime product page, What Doesn't Crime Insurance Cover? section.

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. ³Company-reported. Executive Risks product page as read on 2026-09-23; the issued policy controls which cybercrime scenarios are actually covered.

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. ^1,²Company-reported. Crime product page and the general brokerage disclosure on the coverage catalogue page.

Coalition designs and distributes crime insurance as one of four coverages in its Executive Risks product suite, sold through appointed brokers. ³Company-reported. Executive Risks product page as read on 2026-09-23.