Alliance Risk vs WTW: How Do They Compare for 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. ^4,5Company-reported. Crime product page and the general brokerage disclosure on the coverage catalogue page.

Under WTW's North American Corporate Risk & Broking terms, WTW normally acts as the client's insurance intermediary for engagements governed by those terms. ¹¹Company-reported. Terms for applicable North American Corporate Risk & Broking engagements. WTW also discloses separate insurer-side services in some arrangements; this does not determine the role in a specific engagement.

The crime insurance page does not name an issuing insurer or carrier for the coverage. ⁴Not publicly disclosed. Crime product page as read on 2026-09-23.

The reviewed WTW sources do not identify an issuing insurer for a specific crime placement. ^11,10Not publicly disclosed. This is a gap in the cited marketing, annual-report, and brokerage materials; it does not mean WTW lacks insurer markets. Confirm the carrier on the quote and issued policy.

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. ⁴Company-reported. Crime product page, Who Needs Crime Insurance? section.

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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. ⁴Company-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. ⁴Company-reported. Crime product page, What Doesn't Crime Insurance Cover? section.

WTW's FY2024 annual report lists crime insurance solutions within its global Financial, Executive and Professional Risks (FINEX) practice. ¹⁰Company-reported. Historical group-level service description only; it does not establish current U.S. availability, insurer, policy form, or a buyer's eligibility.

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. ⁴Not publicly disclosed. Crime product page as read on 2026-09-23.

The reviewed sources do not state a buyer-specific crime limit, retention, or deductible. ^11,10Not publicly disclosed. No limit or deductible is inferred from general marketing or WTW's brokerage role; the insurer's quote and issued forms control.

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WTW's North American terms describe reviewing binders, policies, and endorsements against the terms negotiated with the insurer. ¹¹Company-reported. Broker document-review process under the cited terms, when WTW handles this line's placement. It does not certify that a policy covers a claim or replace the issued wording.

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WTW's North American terms say an insurer quote is not confirmation of coverage; if the client orders binding, WTW seeks a formal insurer commitment, typically a binder. ¹¹Company-reported. Applies to placements governed by the cited North American Corporate Risk & Broking terms. It does not establish a self-service quote route or promise coverage availability for this line.