Alliance Risk vs Travelers Crime Insurance

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.

Travelers underwrites fidelity and crime coverage through multiple insuring agreements sold under the Management & Professional Liability line, rather than as a single fixed policy. ⁸Company-reported. Product page "What is fidelity and crime coverage?" section.

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.

The product page's video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. ⁸Company-reported. Product page video legal footer.

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.

Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. ⁸Company-reported. Product page "Who is fidelity and crime coverage right for?" section.

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.

Travelers says the coverage addresses loss from forgery or alteration, loss of money and securities, and reimbursement for claim expenses, protecting against threats such as employee dishonesty and theft, funds transfer fraud, computer fraud, employee fraud and social engineering fraud. ⁸Company-reported. Product page "What is fidelity and crime coverage?" and "Types of fidelity and crime claims" sections; exact terms and exclusions are set by the issued policy.

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.

The reviewed page does not publish limits, deductibles or premiums for fidelity and crime coverage; it cites a median fraud loss of $130,000 and says at least one in five cases costs $1 million or more as general risk context, not as policy terms. ⁸Not found in reviewed sources. Product page video statistics and general text as read on 2026-09-23.

Not described in the reviewed sources.

Travelers offers a social engineering fraud endorsement and publishes guidance such as "Coverage 101" and social-engineering protection resources alongside the product. ⁸Company-reported. Product page Resources section.

Not described in the reviewed sources.

Fidelity and crime coverage is bought through a Travelers independent agent. ⁸Company-reported. Product page "Find an insurance agent" call to action.