---
title: "Alliance Risk vs Lockton: Crime Insurance"
description: "Alliance Risk and Lockton both shop crime cover from insurers neither names. Lockton brings an in-house claims team with claims counsel to crime and fidelity losses; Alliance Risk's crime page says nothing about who helps you when you file."
canonical: "https://spot.insure/compare/alliance-risk-vs-lockton/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "alliance-risk-vs-lockton"
provider-a: "alliance-risk"
provider-b: "lockton"
coverage-line: "crime"
---

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

## Agent Guide

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

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

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

Both are brokers. Lockton brokers crime and fidelity for nonprofit, private and public organizations, with a claims team built into its broking team; Alliance Risk suits cash- and payment-handling businesses and lists its exclusions.

Both brokers shop crime insurance rather than write it, but Lockton describes an in-house crime claims team while Alliance Risk publishes premium ranges and exclusions.

## Alliance Risk vs Lockton Crime Insurance Summary

Alliance Risk and Lockton both shop crime cover from insurers neither names. Lockton brings an in-house claims team with claims counsel to crime and fidelity losses; Alliance Risk's crime page says nothing about who helps you when you file. [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [2](https://joinalliancerisk.com/coverages/ "Alliance Products") [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

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

### Help When You File a Theft or Fraud Claim

A crime claim usually means proving an employee theft or a wire fraud to the insurer. Lockton says its Professional & Executive Risk Claims team, which sits inside the broking team with insurance and claims counsel, handles crime and fidelity claims; Alliance Risk's crime page doesn't describe any claims support for this line. Choose Lockton if you want a named claims team on your side when a loss happens; choose Alliance Risk if you're a small business or nonprofit that wants published premium ranges ($500 to $2,000 a year for small businesses) before you talk to anyone. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

### Banks Versus Ordinary Businesses

Lockton warns that financial institutions are often required to carry a financial institution bond, which is different from general crime cover, and says small businesses are especially exposed because they lack fraud-prevention and audit resources. Alliance Risk targets cash-handling businesses, accounting teams, nonprofits with volunteer financial oversight, and finance, retail, healthcare and logistics firms, and doesn't mention a bond. If you're a bank or lender, start with the bond question. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

### What Each Lists as Covered and Excluded

Both list employee theft, forgery and social-engineering impersonation. Lockton adds computer fraud, counterfeit currency and theft on or off premises; Alliance Risk adds fraudulent funds transfer and burglary, offers client-property theft only by endorsement, and excludes hacking, losses discovered after the policy period and owner dishonesty. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

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

- Get the issuing insurer's name from both brokers; neither page names one. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")
- Ask Alliance Risk who helps you file and negotiate a crime claim. [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")
- If you're a financial institution, ask Lockton whether you need a financial institution bond instead of commercial crime. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- Compare the funds-transfer, computer-fraud and client-property wording in each quoted form. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

## Alliance Risk vs Lockton Crime Insurance Compared

| Criteria | Alliance Risk Crime Insurance | Lockton Crime and Fidelity Insurance Brokerage |
| --- | --- | --- |
| 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..) | Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector, and calls out small businesses as particularly exposed because they often lack fraud-prevention and auditing resources. It also notes financial institutions are frequently required to carry a financial institution bond, distinct from general crime coverage. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Crime and Fidelity product page as read 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..) | Lockton lists the claim types a crime and fidelity program is meant to address: employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social engineering (impersonation) fraud involving customers, vendors or employees. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Product page as read 2026-09-23; a capability/claim-type list, not a specimen policy..) |
| 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..) | Lockton places Crime and Fidelity insurance to protect businesses against financial losses from theft, fraud, forgery and embezzlement by employees or third parties; it describes this as a brokered program, not a policy Lockton underwrites. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Crime and Fidelity product page as read 2026-09-23..) |

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

## Related Pages for Alliance Risk vs Lockton Crime Insurance

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

## Sources for Alliance Risk vs Lockton 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 Lockton

3. [Crime and Fidelity Insurance](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance). Lockton; What is Crime and Fidelity Insurance?; Who needs to purchase Crime and Fidelity Insurance?; Types of Crime and Fidelity claims; Claims management. 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-lockton/crime.md)
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- [MCP server manifest](https://spot.insure/server.json)
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