Alliance Risk vs Coalition Crime Insurance

Alliance Risk arranges crime insurance placements as a brokerage; the crime page describes the coverage it places rather than an Alliance-issued policy. ^3,4Company-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. ⁸Company-reported. Executive Risks product page as read on 2026-09-23.

The crime insurance page does not name an issuing insurer or carrier for the coverage. ³Not publicly disclosed. Crime product page as read on 2026-09-23.

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. ⁹Company-reported. U.S. Disclaimers page as read on 2026-09-23.

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. ³Company-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. ⁸Company-reported. Executive Risks FAQ as read on 2026-09-23.

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. ³Company-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. ³Company-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. ⁸Company-reported. Executive Risks product page as read on 2026-09-23; the issued policy controls which cybercrime scenarios are actually covered.

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. ³Not publicly disclosed. Crime product page as read on 2026-09-23.

Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including crime, subject to exclusions and limitations. ⁸Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant.

Not described in the reviewed sources.

Coalition distributes Executive Risks, including crime, only through appointed insurance brokers rather than direct to buyers. ⁸Company-reported. Executive Risks product page as read on 2026-09-23.