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

Gallagher's small-business team places crime with outside carriers through an advisor form; Alliance Risk, also a broker, describes forgery, electronic funds transfer fraud and impersonation cover and its exclusions in detail.

Gallagher uses peer data and an exposure index to help large accounts set crime limits; Alliance Risk publishes annual premium ranges from $500–$2,000 for small businesses to $10,000–$50,000+ for large enterprises. ^1,^2,^3,⁴

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

Use a Small-Business Intake or a Large-Account Review

Gallagher’s small-business crime page routes buyers to an adviser form asking for company details, employee count and annual revenue. Its Executive and Financial Risk practice handles larger accounts and describes peer-based limit analysis. Choose Gallagher’s large-account team if you need a limit recommendation grounded in peer data; choose Alliance Risk if you want a broker placement and published typical premium ranges to discuss. ³ ⁴ ¹

Ask How Gallagher Calculates the Limit

Gallagher says its large-account limit method uses third-party peer databases and an exposure index developed by the Surety Association of America with the American Institute of Accountants. Alliance Risk publishes premium bands but no comparable limit-setting method. Neither provider publishes specific crime limits, so ask how the recommended amount maps to your exposures. ⁴ ¹ ³

Compare Perils and Services

Gallagher describes crime and fidelity losses including credit-card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and property destruction. Alliance Risk lists employee theft, forgery, fraudulent EFT, social-engineering impersonation, burglary, robbery and safe burglary; business-income loss is excluded unless endorsed. ³ ¹

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

Ask Gallagher whether your account will be handled by Small Business or Executive and Financial Risk. ³ ⁴
For a large account, request the peer analysis and exposure-index work supporting the proposed limit. ⁴
Get the issuing carrier from both brokerages. ¹ ³
Compare whether social-engineering impersonation and burglary or safe burglary appear in Gallagher’s proposed form. ¹ ³

Alliance Risk vs Gallagher Crime Insurance Compared

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

Criteria	Alliance Risk Crime Insurance	Gallagher Small Business Fidelity and 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.	Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. ³Company-reported. Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting.
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.	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. ³Company-reported. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions.
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.	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. ^3,⁴Company-reported. Small-business crime product page and the group-level executive-risk practice page.

Criteria

Alliance Risk Crime Insurance

Gallagher Small Business Fidelity and 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.

Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. ³Company-reported. Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting.

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.

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. ³Company-reported. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions.

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.

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. ^3,⁴Company-reported. Small-business crime product page and the group-level executive-risk practice page.