---
title: "Alliance Risk vs Liberty Mutual: Crime Insurance"
description: "Alliance Risk arranges crime placements and lists specific crime agreements and exclusions; Liberty Mutual includes crime in ProShield for private and not-for-profit organizations."
canonical: "https://spot.insure/compare/alliance-risk-vs-liberty-mutual/crime"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "alliance-risk-vs-liberty-mutual"
provider-a: "alliance-risk"
provider-b: "liberty-mutual"
coverage-line: "crime"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

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

## Agent Guide

**What this page is:** Focused comparison of Alliance Risk and Liberty Mutual 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 Liberty Mutual. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Alliance Risk vs Liberty Mutual for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Alliance Risk or Liberty Mutual?
- What does Alliance Risk or Liberty Mutual publish about Crime Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Crime Insurance from Alliance Risk or Liberty Mutual?

**Key facts:**
- Line: Crime Insurance. Providers: Alliance Risk and Liberty Mutual.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Alliance Risk vs Liberty Mutual](https://spot.insure/compare/alliance-risk-vs-liberty-mutual) — parent: all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line
- [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) — provider profile (evidence)
- [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence)
- [Alliance Risk vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual D&O Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/management-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Alliance Risk Crime Insurance](https://spot.insure/compare/aig-vs-alliance-risk/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Aon Crime Insurance](https://spot.insure/compare/alliance-risk-vs-aon/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs The Baldwin Group Crime Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Beazley Crime Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Crime Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/crime) — sibling comparison (other line, or other pair for this line)

# Alliance Risk vs Liberty Mutual: How Do They Compare for Crime Insurance?

Alliance Risk arranges crime placements and lists specific crime agreements and exclusions; Liberty Mutual includes crime in ProShield for private and not-for-profit organizations.

## How to Use the Alliance Risk vs Liberty Mutual Crime Insurance Comparison

Use this comparison to evaluate Alliance Risk and Liberty Mutual for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Alliance Risk vs Liberty Mutual Crime Insurance Summary

Alliance Risk describes a broker-arranged crime placement with listed theft, forgery and transfer-fraud agreements; Liberty Mutual includes crime in its ProShield management-liability package for private and not-for-profit organizations. [4](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [5](https://joinalliancerisk.com/coverages/ "Alliance Products") [8](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

## What Is Alliance Risk?

Alliance Risk suits tech startups from pre-seed through IPO that want a broker to review their tech E&O policy for free and shop specialist insurers; if you want to buy online in minutes, use a digital insurer. Quotes take 24 hours to ten business days, depending on your risk. [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") [2](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [3](https://joinalliancerisk.com/get-a-quote/ "Get a Quote")

[Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk)

## What Is Liberty Mutual Business Insurance?

Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [6](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [7](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

[Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual)

## What Is Crime Insurance?

Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [11](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [12](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [13](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application")

## What Are the Key Differences Between Alliance Risk and Liberty Mutual Crime Insurance?

### Placement structure and named crime agreements

Alliance Risk says it arranges crime placements as a brokerage; its product page lists employee theft, forgery, electronic funds transfer, social engineering and burglary, with client-property theft available by endorsement. Liberty Mutual includes crime in ProShield, a management-liability package for private and not-for-profit organizations. Compare the proposed crime placement with the package structure and the actual agreements offered. [4](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [8](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

### Published exclusions and quote wording

Alliance Risk’s crime page lists business-income loss unless endorsed, cyber breach, untimely discovery and owner or partner dishonesty among stated exclusions. Liberty Mutual’s page lists selected crime exposures as marketing summaries, not policy terms. That difference in page detail does not establish how ProShield treats those exclusions. Ask both providers for the issued wording, discovery period and any endorsements. [4](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [8](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

## What Should You Confirm in Alliance Risk and Liberty Mutual Crime Insurance Quotes?

- Ask Alliance Risk which listed crime agreements and exclusions apply to the carrier’s proposed policy. [4](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")
- Ask Liberty Mutual for ProShield’s crime agreements and the specific exclusions and endorsements. [8](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

## Alliance Risk vs Liberty Mutual Crime Insurance Compared

| Criteria | Alliance Risk Crime Insurance | Liberty Mutual ProShield Crime coverage |
| --- | --- | --- |
| 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. [4](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [5](https://joinalliancerisk.com/coverages/ "Alliance Products") (Evidence: Company-reported; scope: Crime product page and the general brokerage disclosure on the coverage catalogue page..) | Liberty Mutual includes crime coverage in its ProShield management-liability package for private and not-for-profit organizations. [8](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Issuing Insurer | The crime insurance page does not name an issuing insurer or carrier for the coverage. [4](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Not publicly disclosed; scope: Crime product page as read on 2026-09-23..) | Confirm in your quote. |
| 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. [4](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime product page, Who Needs Crime Insurance? section..) | The source scopes ProShield to private and not-for-profit organizations; a specific organization’s eligibility is not established. [8](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| 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. [4](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. [4](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime product page, What Doesn't Crime Insurance Cover? section..) | The ProShield page lists employee dishonesty, embezzlement, safe burglary, computer fraud and other crime exposures, plus selected coverage enhancements; these are marketing summaries, not policy terms. [8](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Limits and Retentions | 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. [4](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Not publicly disclosed; scope: Crime product page as read on 2026-09-23..) | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [8](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) |
| Risk Services | Confirm in your quote. | Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. [8](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |

## Related Pages for Alliance Risk vs Liberty Mutual Crime Insurance

- [Alliance Risk vs Liberty Mutual](https://spot.insure/compare/alliance-risk-vs-liberty-mutual): 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 vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/builders-risk)
- [Alliance Risk vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/business-owners-policy)
- [Alliance Risk vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/cargo-transit)
- [Alliance Risk vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/commercial-auto)
- [Alliance Risk vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/commercial-property)
- [Alliance Risk vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/cyber)
- [Alliance Risk vs Liberty Mutual D&O Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/directors-officers)
- [Alliance Risk vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/employment-practices)
- [Alliance Risk vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/equipment-breakdown)
- [Alliance Risk vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/fiduciary)
- [Alliance Risk vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/general-liability)
- [Alliance Risk vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/inland-marine)
- [Alliance Risk vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/management-liability)
- [Alliance Risk vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/professional-errors-omissions)
- [Alliance Risk vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/technology-errors-omissions)
- [Alliance Risk vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/umbrella-excess)
- [Alliance Risk vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/workers-compensation)
- [AIG vs Alliance Risk Crime Insurance](https://spot.insure/compare/aig-vs-alliance-risk/crime)
- [AIG vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/crime)
- [Alliance Risk vs Aon Crime Insurance](https://spot.insure/compare/alliance-risk-vs-aon/crime)
- [Alliance Risk vs The Baldwin Group Crime Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/crime)
- [Alliance Risk vs Beazley Crime Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/crime)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Crime Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/crime)

## Sources for Alliance Risk vs Liberty Mutual Crime Insurance

### Sources About Alliance Risk

1. [Technology Insurance](https://joinalliancerisk.com/technology-insurance/). Alliance Risk; What is Technology Insurance?; Types of Technology; Types of Coverage; startup placement introduction; quote documents and process. Accessed 2026-09-16.
2. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
3. [Get a Quote](https://joinalliancerisk.com/get-a-quote/). Alliance Risk; Request form; Prefer to Call?; Why Alliance Risk? section. Accessed 2026-09-16.
4. [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.
5. [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 Liberty Mutual

6. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29.
7. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29.
8. [ProShield](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/). Liberty Mutual Business Insurance; Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms.. Accessed 2026-09-29.

### Sources for the Crime Insurance Guide

9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.
10. [Crime Non-Financial Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions). Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
11. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
12. [Social Engineering Fraud Insurance](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html). Chubb; Opening; coverage highlights. Accessed 2026-09-16.
13. [Commercial Crime Coverage Application](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3). Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.

Updated 2026-10-01. 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.

## Alliance Risk Review Scores for 2026

Review Score: not enough ratings.

Alliance Risk has no customer ratings on the review sites we checked, so there's no Review Score yet. That says nothing bad about the company; it means you'll need to ask for references.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/alliance-risk/reviews).

## Liberty Mutual Review Scores for 2026

Review Score: 7.2 / 10 from 2 rated sources, equally weighted.

Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.

- NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance)
- Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/crime.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)