---
title: "Alliance Risk vs Coalition: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/alliance-risk-vs-coalition/crime"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "alliance-risk-vs-coalition"
provider-a: "alliance-risk"
provider-b: "coalition"
coverage-line: "crime"
---

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

## Agent Guide

**What this page is:** Focused comparison of Alliance Risk 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 Alliance Risk versus Coalition. 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 Coalition for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Alliance Risk or Coalition?
- What does Alliance Risk or Coalition publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: Alliance Risk and Coalition.
- 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 Coalition](https://spot.insure/compare/alliance-risk-vs-coalition) — 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
- [Coalition profile](https://spot.insure/insurance-providers/coalition) — provider profile

# 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 publishes crime limits up to $10 million for private and nonprofit US organizations with up to 1,000 employees; Alliance Risk publishes premium ranges and an itemized list of covered crimes but no limits.

## Alliance Risk vs Coalition Crime Insurance Summary

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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [2](https://joinalliancerisk.com/coverages/ "Alliance Products")

## 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

### 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](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [3](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

### 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

## 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](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")
- Ask Coalition's broker whether the policy is issued by Zurich American or another insurer, since the route varies. [4](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")
- Ask Coalition whether social-engineering and funds-transfer fraud are covered, and at what sublimit. [3](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- Check both forms for when a loss must be discovered and whether owner dishonesty is excluded. [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [3](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## Alliance Risk vs Coalition Crime Insurance Compared

| 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. [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [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..) | 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. [3](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..) |
| 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..) | Coalition designs and distributes crime insurance as one of four coverages in its Executive Risks product suite, sold through appointed brokers. [3](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23..) |

## About Alliance Risk and Coalition 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)
- [Coalition company profile](https://spot.insure/insurance-providers/coalition) · [Coalition customer reviews](https://spot.insure/insurance-providers/coalition/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Alliance Risk vs Coalition Crime Insurance

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

## Sources for Alliance Risk vs Coalition 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 Coalition

3. [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.
4. [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.

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.

## Agent and Developer Resources

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