Alliance Risk vs 
The Hartford Crime Insurance
Alliance Risk brokers crime; The Hartford includes crime in Private Choice Premier and as bond and commercial crime on its financial-institutions track.
What Is Alliance Risk?
Alliance Risk describes itself as an independent commercial insurance brokerage serving complex businesses, including technology startups. Its offering includes technology E&O placement and review of existing policies. 1,2
What Is The Hartford?
The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. 5,6,7
What Is Crime Insurance?
Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. 9
Key Differences in Crime Insurance
Broker Versus Package Options
Alliance Risk arranges crime insurance as a brokerage and describes the coverage it places rather than an Alliance-issued policy. The Hartford’s crime insurance is one of five options in its Private Choice Premier management-liability package, and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. 3 4 8
What Each Says Crime Covers
The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. Alliance Risk describes employee theft and embezzlement, forgery or alteration, fraudulent electronic funds transfer, social-engineering impersonation, and burglary, robbery and safe burglary, with theft of client property by endorsement. 8 3
Who Each Names as a Buyer
The Hartford’s crime coverage is available to nonprofit organizations, publicly traded companies and privately held companies as part of its management-liability lineup. Alliance Risk lists cash-handling businesses, companies with accounting, billing or procurement teams, nonprofits with volunteer financial oversight, and organizations in finance, retail, healthcare or logistics. 8 3
What to Confirm in Crime Insurance Quotes
- Ask The Hartford whether crime is inside Private Choice Premier or on the financial-institutions bond and commercial-crime track. 8
- Get the issuing insurer from Alliance Risk; its reviewed sources do not name one. 3
- Confirm whether social-engineering and funds-transfer fraud, which Alliance Risk lists, appear on The Hartford form beyond employee theft, forgery or robbery. 3 8
- Compare Alliance Risk’s stated exclusions with The Hartford declarations. 3 8
Offering Details
Alliance Risk vs The Hartford Crime Insurance: documented features by provider
| Criteria | Alliance Risk Crime Insurance | The Hartford Crime Insurance |
|---|---|---|
| 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. 3,4Company-reported. Crime product page and the general brokerage disclosure on the coverage catalogue page. | The Hartford's crime insurance is one of five options in its Private Choice Premier management-liability package, and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. 8Company-reported. Management liability product page as read 2026-09-23. |
| Issuing Insurer | 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. | Not described in the reviewed sources. |
| 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. 3Company-reported. Crime product page, Who Needs Crime Insurance? section. | The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. 8Company-reported. Management liability 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. 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. | The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. 8Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls. |
| 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. 3Not publicly disclosed. Crime product page as read on 2026-09-23. | Not described in the reviewed sources. |
Full Comparison
More Alliance Risk vs The Hartford Comparisons
Other Crime Insurance Comparisons
Sources
Alliance Risk
- About Us. Alliance Risk; Our Story. Accessed 2026-09-16.
- Tech E&O Insurance. Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
- 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.
- Alliance Products. 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.
The Hartford
- Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
- SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
- Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
- Management Liability Insurance | Get a Quote. The Hartford; Crime Insurance section; Who Does Management Liability Insurance Protect?; Management and Professional Liability Insurance for Financial Institutions (Bond and commercial crime (fidelity)). Accessed 2026-09-23.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
