Alliance Risk vs Gallagher 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.

Gallagher Small Business arranges Fidelity and Crime coverage with outside carriers for small-business clients; its group-level Executive and Financial Risk practice separately places the same coverage for larger accounts. Gallagher does not underwrite either policy. ^10,7Company-reported. Small-business crime product page and the group-level executive-risk practice page.

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.

Neither the small-business crime page nor the executive-risk practice page names the insurer that would issue a given client's crime policy. ^10,7Not publicly disclosed. Checked both pages 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.

Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. ¹⁰Company-reported. Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting.

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.

Gallagher describes Fidelity and Crime insurance as covering losses from fraudulent or dishonest acts, including credit card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property. ¹⁰Company-reported. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions.

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.

Neither page publishes specific crime coverage limits or premium ranges. ^10,7Not publicly disclosed. Checked both pages on 2026-09-23.

Not described in the reviewed sources.

For larger accounts, Gallagher says its methodology for setting crime coverage limits includes peer analysis using third-party databases and an exposure index developed by the Surety Association of America with the American Institute of Accountants. ⁷Company-reported. Group-level executive-risk practice page; not confirmed as applied to the small-business product.

Not described in the reviewed sources.

The small-business crime page routes buyers to a Connect With An Advisor form asking for company details, business description, other coverage interests, employee count and annual revenue. ¹⁰Company-reported. Product page inquiry form, inspected without submission.