---
title: "Alliance Risk vs Gallagher: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/alliance-risk-vs-gallagher/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "alliance-risk-vs-gallagher"
provider-a: "alliance-risk"
provider-b: "gallagher"
coverage-line: "crime"
---

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

## Agent Guide

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

**Key facts:**
- Line: Crime Insurance. Providers: Alliance Risk and Gallagher.
- 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 2026-09-25.

**Related pages:**
- [Alliance Risk vs Gallagher](https://spot.insure/compare/alliance-risk-vs-gallagher) — 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
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile

# 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’s Executive and Financial Risk practice uses peer data to help large accounts set crime limits; Alliance Risk publishes premium bands but no standard limit.

## Alliance Risk vs Gallagher Crime Insurance Summary

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](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [2](https://joinalliancerisk.com/coverages/ "Alliance Products") [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## 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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

### 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

### 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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

## 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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- For a large account, request the peer analysis and exposure-index work supporting the proposed limit. [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Get the issuing carrier from both brokerages. [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")
- Compare whether social-engineering impersonation and burglary or safe burglary appear in Gallagher’s proposed form. [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

## Alliance Risk vs Gallagher Crime Insurance Compared

| 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. [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: 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. [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..) | 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. [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: 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](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..) | 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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Small-business crime product page and the group-level executive-risk practice page..) |

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

## Related Pages for Alliance Risk vs Gallagher Crime Insurance

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

## Sources for Alliance Risk vs Gallagher 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 Gallagher

3. [Crime](https://www.gallaghersmallbusiness.com/insurance-products/crime/). Gallagher Small Business; Coverage Overview; Do you need Fidelity and Crime insurance?; Connect With An Advisor form. Accessed 2026-09-23.
4. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employee Dishonesty (Crime) and Fidelity Bond insurance section. Accessed 2026-09-23.

Updated 2026-09-25. 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-gallagher/crime.md)
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- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)